South San Fra, CA · Charter 13134
Q4 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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.36% | 4.41% | 3.85% | 3.83% | 1.53% | -384 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 | 8.73% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 73.79% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 7.42% | 2.53% | 5.19% | 12.50% | 4.08% | -334 bps | |
| Loan Growth (YoY) | 6.09% | -6.13% | -7.83% | 9.45% | 14.62% | +853 bps | |
| Share Growth (YoY) | 5.40% | -0.84% | 2.65% | 11.15% | 2.54% | -286 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.03% | 3.57% | 5.89% | 7.65% | 10.28% | +625 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.80% | 1.61% | 2.08% | 2.11% | 2.41% | +61 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 | 103.88% | 97.61% | 97.57% | 102.70% | 116.11% | +1,223 bps | |
| Liquid Assets / Assets | 11.54% | 13.15% | 17.47% | 9.46% | 5.31% | -623 bps | |