PackageTrendsPeer
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Williams Employees

Tulsa, OK · Charter 63700

Q3 2007

$74.6MAssets
$54.2MLoans
$65.1MShares
$8.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.46%, up 44 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.65% of loans (+4 bps YoY).
  • Capital: net worth / assets of 11.46%, up 37 bps from a year ago.
  • Funding: loans stand at 83.13% of shares as of Q3 2007.

Financial Results

Return on Assets (quarter, annualized)

0.46%+44 bps YoY

Net Interest Margin (quarter, annualized)

3.85%+27 bps YoY

Efficiency Ratio (quarter, annualized)

88.48%-1,100 bps YoY

Net Worth / Assets

11.46%+37 bps YoY

Discrete quarter, annualized.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.03%0.41%0.25%0.41%0.46%+44 bps
Return on Equity0.24%3.36%2.35%3.70%4.06%+381 bps
Net Interest Margin3.58%3.88%3.44%3.73%3.85%+27 bps
Efficiency Ratio99.48%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 / Loans0.61%0.81%0.59%0.83%0.65%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.83%0.70%0.64%0.59%0.59%-23 bps
Capital
Risk-Based Capital11.09%12.24%10.53%11.06%11.46%+37 bps
Net Worth / Assets11.09%12.24%10.53%11.06%11.46%+37 bps
Liquidity & Funding
Loans / Shares88.99%86.20%74.56%78.61%83.13%-586 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps