Anaheim, CA · Charter 13639
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | 0.44% | 0.27% | 0.51% | 0.54% | +80 bps | |
| Return on Equity | -1.12% | 1.83% | 1.09% | 2.07% | 1.79% | +290 bps | |
| Net Interest Margin | 5.29% | 5.08% | 5.10% | 4.91% | 5.66% | +37 bps | |
| Efficiency Ratio | 45.25% | 44.71% | 50.82% | 55.32% | 63.23% | +1,798 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.16% | 1.30% | -0.84% | -2.25% | -20.71% | -2,487 bps | |
| Loan Growth (YoY) | -12.50% | -15.37% | -30.93% | -29.19% | -37.46% | -2,496 bps | |
| Share Growth (YoY) | 6.01% | 1.71% | -1.12% | -3.96% | -27.45% | -3,346 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.70% | 2.82% | 0.00% | 0.00% | 0.00% | -270 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.83% | 2.57% | 1.91% | 2.23% | 2.71% | +88 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.35% | 23.87% | 24.51% | 24.49% | 29.99% | +664 bps | |
| Net Worth / Assets | 23.35% | 23.87% | 24.51% | 24.49% | 29.99% | +664 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.07% | 83.87% | 69.61% | 68.54% | 74.19% | -1,188 bps | |
| Liquid Assets / Assets | 33.37% | 35.80% | 46.19% | 47.27% | 47.82% | +1,445 bps | |