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Santa Fe

Oklahoma City, OK · Charter 65572

Q1 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2007, the quarter ended March 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Santa Fe

Oklahoma City, OK · Charter 65572

Q1 2007

$5.6MAssets
$5.7MLoans
$6.2MShares
$-599KNet 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 -0.04%, down 116 bps year over year; NIM at 5.79%.
  • Asset quality: problem loans at 3.90% of loans (-545 bps YoY).
  • Capital: net worth / assets of -10.68%, down 2,613 bps from a year ago.
  • Funding: loans stand at 91.70% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-0.04%-116 bps YoY

Net Interest Margin (YTD, annualized)

5.79%+25 bps YoY

Efficiency Ratio (YTD, annualized)

100.64%+4,399 bps YoY

Net Worth / Assets

-10.68%-2,613 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets1.12%-58.27%-42.05%-33.64%-0.04%-116 bps
Return on Equity7.27%n/an/an/an/an/a
Net Interest Margin5.54%7.55%8.07%7.87%5.79%+25 bps
Efficiency Ratio56.65%61.14%73.22%79.44%100.64%+4,399 bps
Growth
Asset Growth (YoY)-13.35%-32.76%-37.43%-35.98%-35.74%-2,239 bps
Loan Growth (YoY)-7.46%-19.14%-30.63%-31.21%-33.50%-2,604 bps
Share Growth (YoY)-11.87%-11.05%-16.25%-16.94%-15.74%-387 bps
Asset Quality
Delinquent Loans / Loans9.35%18.75%7.27%5.81%3.90%-545 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.84%21.14%13.17%11.64%11.61%+1,076 bps
Capital
Risk-Based Capital15.46%-9.00%-9.74%-10.47%-10.68%-2,613 bps
Net Worth / Assets15.46%-9.00%-9.74%-10.47%-10.68%-2,613 bps
Liquidity & Funding
Loans / Shares116.18%106.42%95.64%94.29%91.70%-2,448 bps
Liquid Assets / Assets1.83%0.00%0.00%0.00%0.00%-183 bps