San Leandro, CA · Charter 10963
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.27% | -0.47% | 1.07% | 0.05% | -2.31% | -104 bps | |
| Return on Equity | -16.33% | -5.27% | 11.52% | 0.54% | -29.96% | -1,363 bps | |
| Net Interest Margin | 3.38% | 3.56% | 3.77% | 3.83% | 3.85% | +47 bps | |
| Efficiency Ratio | 103.28% | 102.49% | 99.93% | 98.51% | 152.77% | +4,949 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.93% | -4.81% | -3.39% | -14.13% | -11.95% | -1,288 bps | |
| Loan Growth (YoY) | -5.43% | -3.15% | 0.62% | -2.64% | -6.85% | -142 bps | |
| Share Growth (YoY) | 2.87% | -4.77% | -3.85% | -12.12% | -12.67% | -1,554 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.85% | 3.33% | 4.07% | 4.76% | 4.37% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.76% | 2.34% | 1.88% | 2.47% | 1.94% | -182 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.79% | 8.83% | 9.30% | 9.08% | 7.70% | -9 bps | |
| Net Worth / Assets | 7.79% | 8.83% | 9.30% | 9.08% | 7.70% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.75% | 55.57% | 56.96% | 53.91% | 55.20% | +345 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |