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O.C. I.B.E.W.

Oklahoma City, OK · Charter 7565

Q1 2003

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 2003, the quarter ended March 31, 2003, 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 2026-10-10

O.C. I.B.E.W.

Oklahoma City, OK · Charter 7565

Q1 2003

$2.9MAssets
$1.5MLoans
$2.7MShares
$217KNet 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 -0.30%, down 112 bps year over year; NIM at 3.29%.
  • Asset quality: problem loans at 4.33% of loans (-42 bps YoY).
  • Capital: net worth / assets of 7.36%, down 456 bps from a year ago.
  • Funding: loans stand at 53.50% of shares as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.30%-112 bps YoY

Net Interest Margin (YTD, annualized)

3.29%-64 bps YoY

Efficiency Ratio (YTD, annualized)

108.54%+2,870 bps YoY

Net Worth / Assets

7.36%-456 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2001Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets0.82%0.31%0.37%0.29%-0.30%-112 bps
Return on Equity6.90%2.59%2.99%2.33%-4.06%-1,096 bps
Net Interest Margin3.93%3.52%3.65%3.70%3.29%-64 bps
Efficiency Ratio79.84%91.55%90.14%91.00%108.54%+2,870 bps
Growth
Asset Growth (YoY)4.83%10.55%11.36%8.90%-5.93%-1,077 bps
Loan Growth (YoY)14.90%4.55%-1.78%-12.20%-18.11%-3,301 bps
Share Growth (YoY)3.44%8.96%12.07%10.66%-0.45%-389 bps
Asset Quality
Delinquent Loans / Loans4.75%5.96%4.28%5.16%4.33%-42 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.54%3.68%3.54%3.10%1.79%-175 bps
Capital
Risk-Based Capital11.92%11.95%12.44%12.59%7.36%-456 bps
Net Worth / Assets11.92%11.95%12.44%12.59%7.36%-456 bps
Liquidity & Funding
Loans / Shares65.03%64.90%63.77%59.22%53.50%-1,154 bps
Liquid Assets / Assets43.04%43.76%43.82%41.17%48.84%+580 bps