Sunnyvale, CA · Charter 13620
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.68% | 0.42% | 0.92% | 0.81% | +14 bps | |
| Return on Equity | 5.25% | 5.47% | 3.43% | 7.28% | 5.51% | +26 bps | |
| Net Interest Margin | 3.15% | 2.93% | 2.97% | 2.97% | 3.35% | +19 bps | |
| Efficiency Ratio | 90.34% | 90.30% | 84.55% | 80.48% | 82.46% | -788 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.41% | -13.96% | -14.57% | -10.12% | -7.44% | +297 bps | |
| Loan Growth (YoY) | -30.93% | -22.36% | -20.11% | -12.46% | -0.85% | +3,008 bps | |
| Share Growth (YoY) | -12.09% | -15.96% | -16.82% | -11.88% | -9.20% | +289 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.27% | 0.22% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.45% | 0.58% | 0.79% | 0.90% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.91% | 12.41% | 12.35% | 12.61% | 14.78% | +188 bps | |
| Net Worth / Assets | 12.91% | 12.41% | 12.35% | 12.61% | 14.78% | +188 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.94% | 41.87% | 39.39% | 35.46% | 45.79% | +386 bps | |
| Liquid Assets / Assets | 61.79% | 61.23% | 63.50% | 67.52% | 59.15% | -265 bps | |