Clinton, OK · Charter 9241
Q3 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | 0.27% | 2.50% | -0.04% | -25.48% | -2,540 bps | |
| Return on Equity | -0.38% | 1.26% | 10.80% | -0.17% | -283% | -28,260 bps | |
| Net Interest Margin | 0.88% | 4.11% | 6.75% | 3.66% | 4.88% | +401 bps | |
| Efficiency Ratio | 108.26% | 93.46% | 64.36% | 101.05% | 124.39% | +1,613 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.04% | -11.63% | -11.47% | -13.04% | -22.83% | -979 bps | |
| Loan Growth (YoY) | -11.75% | -3.67% | 7.47% | -2.15% | -3.71% | +804 bps | |
| Share Growth (YoY) | -16.12% | -14.80% | -14.05% | -15.89% | -9.99% | +613 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 4.36% | 4.29% | 14.80% | 11.61% | +1,161 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.77% | 3.73% | 3.64% | 3.70% | 27.45% | +2,368 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.86% | 21.65% | 23.16% | 23.60% | 9.00% | -1,285 bps | |
| Net Worth / Assets | 21.86% | 21.65% | 23.16% | 23.60% | 9.00% | -1,285 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.47% | 65.56% | 73.38% | 72.86% | 70.04% | +457 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |