Chatsworth, CA · Charter 12045
Q4 1999
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 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.89% | 3.81% | 3.93% | 0.84% | 0.96% | -293 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 | 3.50% | 3.59% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 66.33% | 65.76% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 16.19% | 14.42% | 12.64% | 9.80% | 4.37% | -1,182 bps | |
| Loan Growth (YoY) | 18.44% | 14.74% | 9.69% | 16.57% | 19.16% | +72 bps | |
| Share Growth (YoY) | 17.36% | 15.21% | 13.21% | 10.06% | 4.00% | -1,336 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.52% | 0.50% | 0.54% | 0.68% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 1.06% | 1.00% | 0.98% | 0.91% | -6 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 | 74.05% | 73.73% | 76.33% | 80.27% | 84.85% | +1,080 bps | |
| Liquid Assets / Assets | 16.60% | 16.28% | 14.69% | 11.64% | 9.59% | -701 bps | |