Bakersfield, CA · Charter 10760
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.47% | -6.11% | 7.04% | -1.59% | -1.43% | +604 bps | |
| Return on Equity | -64.49% | -54.44% | 56.71% | -15.01% | -12.66% | +5,183 bps | |
| Net Interest Margin | 4.82% | 4.78% | 4.07% | 4.41% | 4.83% | +1 bps | |
| Efficiency Ratio | 113.35% | 115.62% | 137.30% | 132.80% | 127.31% | +1,396 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -18.11% | -11.66% | -3.51% | -7.60% | -10.29% | +782 bps | |
| Loan Growth (YoY) | -7.04% | -11.35% | -5.58% | -5.07% | -8.95% | -191 bps | |
| Share Growth (YoY) | -15.40% | -7.34% | -5.19% | -6.90% | -9.84% | +556 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 2.28% | 2.23% | 3.34% | 4.53% | +232 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.49% | 6.55% | 2.16% | 6.18% | 6.34% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.58% | 11.23% | 12.42% | 10.61% | 11.33% | -25 bps | |
| Net Worth / Assets | 11.58% | 11.23% | 12.42% | 10.61% | 11.33% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.34% | 65.76% | 64.18% | 66.22% | 70.02% | +69 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |