Bellflower, CA · Charter 10268
Q3 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.81% | -1.30% | -0.31% | -0.75% | -1.04% | +77 bps | |
| Return on Equity | -15.50% | -10.25% | -2.34% | -5.86% | -8.54% | +696 bps | |
| Net Interest Margin | 1.90% | 2.19% | 2.24% | 2.23% | 1.77% | -13 bps | |
| Efficiency Ratio | 134.26% | 121.08% | 113.62% | 133.44% | 149.79% | +1,553 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.87% | -8.98% | -3.27% | -3.60% | -4.96% | -210 bps | |
| Loan Growth (YoY) | -21.20% | -18.55% | -29.37% | -39.17% | -56.70% | -3,550 bps | |
| Share Growth (YoY) | -2.19% | -9.12% | -2.83% | -3.96% | -4.59% | -240 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.72% | 2.88% | 3.55% | 4.11% | 6.28% | +356 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.67% | 12.63% | 13.06% | 12.73% | 12.15% | +48 bps | |
| Net Worth / Assets | 11.67% | 12.63% | 13.06% | 12.73% | 12.15% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.55% | 57.11% | 45.80% | 38.81% | 25.21% | -3,034 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |