PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Oklahoma Dairymen's

Oklahoma City, OK · Charter 8476

Q4 1998

$6.5MAssets
$2.6MLoans
$5.8MShares
n/aNet 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 3.20%, down 146 bps year over year.
  • Asset quality: problem loans at 6.11% of loans (+519 bps YoY).
  • Funding: loans stand at 45.69% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

3.20%-146 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.66%4.61%4.82%3.52%3.20%-146 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans0.92%0.31%1.92%0.40%6.11%+519 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.62%1.11%0.88%1.39%3.56%+195 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares54.76%57.57%56.74%51.53%45.69%-907 bps
Liquid Assets / Assets31.05%24.61%23.41%17.04%24.28%-677 bps