Oklahoma City, OK · Charter 7565
Q1 2003
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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.31% | 0.37% | 0.29% | -0.30% | -112 bps | |
| Return on Equity | 6.90% | 2.59% | 2.99% | 2.33% | -4.06% | -1,096 bps | |
| Net Interest Margin | 3.93% | 3.52% | 3.65% | 3.70% | 3.29% | -64 bps | |
| Efficiency Ratio | 79.84% | 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 / Loans | 4.75% | 5.96% | 4.28% | 5.16% | 4.33% | -42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.54% | 3.68% | 3.54% | 3.10% | 1.79% | -175 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.92% | 11.95% | 12.44% | 12.59% | 7.36% | -456 bps | |
| Net Worth / Assets | 11.92% | 11.95% | 12.44% | 12.59% | 7.36% | -456 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.03% | 64.90% | 63.77% | 59.22% | 53.50% | -1,154 bps | |
| Liquid Assets / Assets | 43.04% | 43.76% | 43.82% | 41.17% | 48.84% | +580 bps | |