Ponca City, OK · Charter 7388
Q3 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.17% | 0.00% | -0.52% | -0.35% | -55 bps | |
| Return on Equity | 1.51% | 1.29% | 0.00% | -4.14% | -2.76% | -427 bps | |
| Net Interest Margin | 3.03% | 2.94% | 2.74% | 2.69% | 2.73% | -29 bps | |
| Efficiency Ratio | 91.30% | 92.65% | 92.70% | 93.12% | 92.00% | +71 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.90% | 2.86% | 4.89% | 4.93% | 2.86% | -604 bps | |
| Loan Growth (YoY) | -14.47% | -17.67% | -12.49% | -13.74% | -18.90% | -443 bps | |
| Share Growth (YoY) | 10.47% | 3.37% | 5.80% | 6.08% | 3.73% | -674 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.36% | 7.32% | 7.04% | 7.56% | 8.10% | +174 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.74% | 0.88% | 0.92% | 1.25% | +56 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.40% | 13.19% | 13.03% | 12.59% | 12.78% | -61 bps | |
| Net Worth / Assets | 13.40% | 13.19% | 13.03% | 12.59% | 12.78% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.65% | 41.13% | 40.52% | 37.74% | 34.91% | -974 bps | |
| Liquid Assets / Assets | 59.87% | 54.46% | 63.21% | 61.43% | 50.20% | -967 bps | |