Tehachapi, CA · Charter 14757
Q1 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.85% | -0.41% | -0.55% | -1.57% | 0.17% | +101 bps | |
| Return on Equity | -25.41% | -11.79% | -17.49% | -75.45% | 7.44% | +3,285 bps | |
| Net Interest Margin | 6.68% | 6.57% | 6.20% | 6.00% | 5.26% | -142 bps | |
| Efficiency Ratio | 90.99% | 82.47% | 83.54% | 89.04% | 96.97% | +598 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.17% | -16.53% | -12.08% | -4.71% | -7.42% | +875 bps | |
| Loan Growth (YoY) | -10.72% | -13.66% | -18.04% | -24.39% | -20.32% | -960 bps | |
| Share Growth (YoY) | -12.00% | -12.46% | -8.73% | -3.31% | -6.34% | +567 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 19.67% | 15.93% | 10.67% | 11.58% | 13.82% | -586 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.97% | 8.19% | 6.38% | 4.53% | 3.83% | -515 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.34% | 3.45% | 3.17% | 2.08% | 2.23% | -111 bps | |
| Net Worth / Assets | 3.34% | 3.45% | 3.17% | 2.08% | 2.23% | -111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.74% | 85.94% | 78.97% | 71.32% | 74.64% | -1,310 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |