Buena Park, CA · Charter 14284
Q2 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.34% | -0.56% | -0.64% | -1.87% | -0.58% | +576 bps | |
| Return on Equity | -114.93% | -6.85% | -8.32% | -26.01% | -7.66% | +10,726 bps | |
| Net Interest Margin | 3.03% | 2.74% | 2.68% | 1.38% | 1.52% | -152 bps | |
| Efficiency Ratio | 296% | 114.39% | 124.18% | 223% | 69.59% | -22,630 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.10% | -0.32% | 7.59% | 8.58% | 1.78% | -232 bps | |
| Loan Growth (YoY) | -0.27% | -3.11% | -9.77% | -9.72% | -17.77% | -1,750 bps | |
| Share Growth (YoY) | 7.92% | 0.09% | 9.18% | 10.62% | -2.51% | -1,043 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.86% | 5.91% | 3.73% | 4.07% | 4.93% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.65% | 1.17% | 0.40% | 0.44% | 0.00% | -165 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.52% | 8.23% | 7.70% | 7.20% | 7.59% | +207 bps | |
| Net Worth / Assets | 5.52% | 8.23% | 7.70% | 7.20% | 7.59% | +207 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.28% | 42.65% | 38.88% | 38.15% | 37.35% | -693 bps | |
| Liquid Assets / Assets | 51.01% | 51.33% | 55.25% | 55.95% | 54.22% | +321 bps | |