Bakersfield, CA · Charter 11199
Q2 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.46% | 1.76% | -0.50% | 0.74% | -0.15% | -261 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 13.37% | -27.36% | -26.82% | -29.70% | -27.91% | -4,128 bps | |
| Loan Growth (YoY) | -48.30% | -57.67% | -30.05% | -49.11% | -27.14% | +2,117 bps | |
| Share Growth (YoY) | 10.02% | -35.73% | -38.51% | -41.56% | -31.33% | -4,136 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.12% | 4.15% | 2.84% | 1.36% | 0.00% | -212 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.44% | 3.18% | 3.08% | 2.42% | 1.42% | -102 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 | 39.72% | 48.00% | 58.14% | 49.11% | 42.15% | +243 bps | |
| Liquid Assets / Assets | 52.51% | 57.90% | 46.24% | 59.55% | 66.34% | +1,383 bps | |