Vallejo, CA · Charter 1119
Q3 1999
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 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.40% | 3.23% | 3.31% | 3.48% | 0.81% | -259 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.54% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 74.46% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 1.59% | 7.52% | 4.80% | 6.16% | 4.68% | +309 bps | |
| Loan Growth (YoY) | 1.36% | 0.32% | 2.19% | 4.75% | 9.28% | +793 bps | |
| Share Growth (YoY) | 2.22% | 7.88% | 4.93% | 6.33% | 4.25% | +203 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.85% | 0.68% | 0.58% | 0.50% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.41% | 1.38% | 1.25% | 1.21% | 1.20% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.59% | 83.91% | 83.73% | 85.37% | 90.77% | +418 bps | |
| Liquid Assets / Assets | 13.77% | 13.10% | 7.34% | 6.67% | 2.04% | -1,173 bps | |