Oklahoma City, OK · Charter 66282
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Oklahoma City, OK · Charter 66282
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.66% | -1.25% | 0.59% | 0.70% | +4 bps | |
| Return on Equity | 7.08% | 7.42% | -15.39% | 7.08% | 8.62% | +153 bps | |
| Net Interest Margin | 2.47% | 2.26% | 2.35% | 2.37% | 2.46% | -1 bps | |
| Efficiency Ratio | 75.54% | 75.17% | 65.27% | 55.12% | 59.26% | -1,628 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.21% | 25.84% | 22.51% | 24.10% | 24.67% | +446 bps | |
| Loan Growth (YoY) | -1.46% | 4.86% | -4.76% | -6.62% | 1.72% | +317 bps | |
| Share Growth (YoY) | 22.35% | 29.06% | 25.63% | 25.23% | 25.56% | +321 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 1.48% | 1.08% | 0.32% | 1.64% | +119 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.76% | 2.69% | 2.43% | 2.41% | 2.18% | -58 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.22% | 8.91% | 8.11% | 8.32% | 8.08% | -113 bps | |
| Net Worth / Assets | 9.22% | 8.91% | 8.11% | 8.32% | 8.08% | -113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.33% | 46.86% | 41.64% | 39.04% | 39.15% | -918 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |