Ardmore, OK · Charter 64173
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.94% | 2.37% | 2.33% | 2.12% | -0.02% | -296 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 7.56% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 91.82% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -1.22% | -2.07% | -16.38% | -11.32% | -19.48% | -1,826 bps | |
| Loan Growth (YoY) | 10.61% | -7.63% | -13.50% | -17.98% | -15.20% | -2,581 bps | |
| Share Growth (YoY) | 0.26% | -1.05% | -18.95% | -10.36% | -22.16% | -2,242 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.39% | 1.39% | 2.47% | 2.13% | 5.27% | +88 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 0.20% | 0.48% | 0.50% | 1.04% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.97% | 102.93% | 108.38% | 100.12% | 110.01% | +904 bps | |
| Liquid Assets / Assets | 2.89% | 0.00% | 2.64% | 2.68% | 3.10% | +20 bps | |