San Diego, CA · Charter 10622
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.18% | -2.96% | -2.07% | -2.48% | -3.64% | -46 bps | |
| Return on Equity | -22.94% | -20.87% | -14.91% | -18.53% | -23.90% | -96 bps | |
| Net Interest Margin | 2.40% | 2.36% | 1.46% | 1.05% | 1.66% | -74 bps | |
| Efficiency Ratio | 151.79% | 160.57% | 241% | 336% | 314% | +16,173 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.56% | -7.12% | -9.64% | -9.21% | -25.17% | -2,261 bps | |
| Loan Growth (YoY) | -4.39% | -27.44% | -28.33% | -26.85% | -42.17% | -3,778 bps | |
| Share Growth (YoY) | 0.14% | -5.07% | -8.28% | -7.27% | -26.27% | -2,642 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.13% | 3.59% | 0.00% | 0.00% | 0.00% | -113 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.39% | 3.27% | 3.79% | 4.53% | 6.61% | +422 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.85% | 14.19% | 13.86% | 13.40% | 15.22% | +137 bps | |
| Net Worth / Assets | 13.85% | 14.19% | 13.86% | 13.40% | 15.22% | +137 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.06% | 42.17% | 41.76% | 39.85% | 36.91% | -1,014 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |