Tulsa, OK · Charter 63700
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tulsa, OK · Charter 63700
Q3 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.41% | 0.25% | 0.41% | 0.46% | +44 bps | |
| Return on Equity | 0.24% | 3.36% | 2.35% | 3.70% | 4.06% | +381 bps | |
| Net Interest Margin | 3.58% | 3.88% | 3.44% | 3.73% | 3.85% | +27 bps | |
| Efficiency Ratio | 99.48% | 93.94% | 94.78% | 90.29% | 88.48% | -1,100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.67% | -10.30% | -2.64% | -2.14% | 2.81% | +548 bps | |
| Loan Growth (YoY) | 12.61% | 4.05% | 3.92% | 0.61% | 1.14% | -1,147 bps | |
| Share Growth (YoY) | 0.33% | -3.82% | 2.07% | 5.45% | 8.27% | +793 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.81% | 0.59% | 0.83% | 0.65% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.70% | 0.64% | 0.59% | 0.59% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.09% | 12.24% | 10.53% | 11.06% | 11.46% | +37 bps | |
| Net Worth / Assets | 11.09% | 12.24% | 10.53% | 11.06% | 11.46% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.99% | 86.20% | 74.56% | 78.61% | 83.13% | -586 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |