South Gate, CA · Charter 11812
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.87% | 1.35% | 1.64% | 1.71% | 0.97% | -291 bps | |
| Return on Equity | n/a | n/a | n/a | 34.59% | 17.55% | n/a | |
| Net Interest Margin | n/a | 4.63% | 4.74% | 4.89% | 4.20% | n/a | |
| Efficiency Ratio | n/a | 69.83% | 64.40% | 64.17% | 78.81% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -12.60% | -11.84% | -6.01% | -5.42% | -3.53% | +907 bps | |
| Loan Growth (YoY) | -23.19% | -20.15% | -14.91% | -12.61% | -18.48% | +471 bps | |
| Share Growth (YoY) | -12.34% | -14.21% | -8.72% | -8.46% | -6.68% | +566 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.12% | 0.21% | 0.28% | 0.44% | +27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.19% | 1.71% | 1.66% | 1.60% | 1.73% | -146 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 4.94% | 5.51% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 4.94% | 5.51% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.24% | 66.18% | 61.94% | 62.16% | 56.11% | -812 bps | |
| Liquid Assets / Assets | 29.97% | 27.26% | 30.09% | 32.39% | 145.57% | +11,560 bps | |