Rohnert Park, CA · Charter 1440
Q2 2001
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.89% | 0.93% | 0.64% | 0.69% | -25 bps | |
| Return on Equity | n/a | n/a | 6.42% | 4.64% | 5.13% | n/a | |
| Net Interest Margin | 1.48% | 1.43% | 1.40% | 0.86% | 0.91% | -57 bps | |
| Efficiency Ratio | 17.67% | 18.67% | 18.35% | 26.12% | 23.95% | +627 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.74% | -0.96% | -1.26% | 5.29% | 11.49% | +975 bps | |
| Loan Growth (YoY) | -2.46% | 1.59% | 0.92% | 0.88% | 0.95% | +341 bps | |
| Share Growth (YoY) | 2.03% | -2.13% | -2.69% | 5.01% | 12.35% | +1,032 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.24% | 0.18% | 0.07% | 0.12% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.58% | 0.55% | 0.53% | 0.49% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 14.46% | 13.74% | 13.48% | n/a | |
| Net Worth / Assets | n/a | n/a | 14.46% | 13.74% | 13.48% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.73% | 46.91% | 46.52% | 43.26% | 41.99% | -474 bps | |
| Liquid Assets / Assets | 58.35% | 58.39% | 59.16% | 61.74% | 62.56% | +422 bps | |