Sacramento, CA · Charter 13502
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.17% | 2.82% | 3.50% | 3.67% | 3.12% | -5 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) | 5.65% | 5.35% | 2.91% | 2.61% | 3.59% | -206 bps | |
| Loan Growth (YoY) | 11.10% | 9.36% | 5.87% | 11.27% | 14.56% | +347 bps | |
| Share Growth (YoY) | 7.11% | 7.40% | 3.73% | 1.88% | 1.53% | -558 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.98% | 0.54% | 0.22% | 0.14% | -49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.72% | 1.72% | 1.47% | 1.25% | -11 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 | 78.39% | 86.75% | 86.45% | 86.61% | 88.45% | +1,006 bps | |
| Liquid Assets / Assets | 21.06% | 15.81% | 16.47% | 15.30% | 14.14% | -692 bps | |