Burlingame, CA · Charter 15167
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -10.46% | -7.44% | -6.08% | -2.90% | -4.91% | +555 bps | |
| Return on Equity | -95.22% | -70.21% | -57.51% | -30.30% | -77.19% | +1,803 bps | |
| Net Interest Margin | 4.03% | 4.18% | 4.42% | 3.38% | 1.52% | -251 bps | |
| Efficiency Ratio | 164.54% | 152.21% | 144.61% | 179.39% | 509% | +34,431 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.15% | -7.10% | -10.64% | -8.86% | 2.25% | +1,240 bps | |
| Loan Growth (YoY) | -12.35% | -2.76% | -5.99% | 7.00% | 17.88% | +3,023 bps | |
| Share Growth (YoY) | -6.17% | -2.58% | -6.79% | -3.87% | 6.59% | +1,276 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.16% | 6.09% | 7.77% | 5.86% | 6.23% | +407 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.12% | 5.98% | 5.79% | 4.71% | 2.78% | -334 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.98% | 10.60% | 10.56% | 9.56% | 6.36% | -462 bps | |
| Net Worth / Assets | 10.98% | 10.60% | 10.56% | 9.56% | 6.36% | -462 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.26% | 55.79% | 59.19% | 56.20% | 57.80% | +554 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |