Tulsa, OK · Charter 7680
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Tulsa, OK · Charter 7680
Q4 1996
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.43% | 3.67% | 3.02% | 3.51% | 3.49% | +6 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | -5.76% | -6.49% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | 11.58% | 5.35% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -3.68% | -2.96% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.43% | 2.62% | 5.03% | 5.51% | 4.56% | +213 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.89% | 1.49% | 3.49% | 2.02% | 2.87% | +97 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.87% | 77.71% | 72.94% | 78.59% | 73.69% | +581 bps | |
| Liquid Assets / Assets | 1.63% | 10.18% | 9.93% | 2.51% | 6.42% | +479 bps | |