Oklahoma City, OK · Charter 65572
Q1 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | -58.27% | -42.05% | -33.64% | -0.04% | -116 bps | |
| Return on Equity | 7.27% | n/a | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 5.54% | 7.55% | 8.07% | 7.87% | 5.79% | +25 bps | |
| Efficiency Ratio | 56.65% | 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 / Loans | 9.35% | 18.75% | 7.27% | 5.81% | 3.90% | -545 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 21.14% | 13.17% | 11.64% | 11.61% | +1,076 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.46% | -9.00% | -9.74% | -10.47% | -10.68% | -2,613 bps | |
| Net Worth / Assets | 15.46% | -9.00% | -9.74% | -10.47% | -10.68% | -2,613 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 116.18% | 106.42% | 95.64% | 94.29% | 91.70% | -2,448 bps | |
| Liquid Assets / Assets | 1.83% | 0.00% | 0.00% | 0.00% | 0.00% | -183 bps | |