Oklahoma City, OK · Charter 8476
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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 8476
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.66% | 4.61% | 4.82% | 3.52% | 3.20% | -146 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) | -9.68% | 0.43% | 3.23% | 3.26% | -1.82% | +786 bps | |
| Loan Growth (YoY) | 117.22% | 113.43% | 46.52% | 14.71% | -17.00% | -13,422 bps | |
| Share Growth (YoY) | -9.69% | -0.19% | 3.16% | 4.08% | -0.52% | +917 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.92% | 0.31% | 1.92% | 0.40% | 6.11% | +519 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.62% | 1.11% | 0.88% | 1.39% | 3.56% | +195 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 | 54.76% | 57.57% | 56.74% | 51.53% | 45.69% | -907 bps | |
| Liquid Assets / Assets | 31.05% | 24.61% | 23.41% | 17.04% | 24.28% | -677 bps | |