Monterey, CA · Charter 15208
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.29% | 3.50% | -0.24% | 1.91% | 0.77% | -252 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -19.00% | -16.68% | -15.16% | -11.19% | -11.45% | +755 bps | |
| Loan Growth (YoY) | 4.71% | -6.93% | -7.40% | -6.99% | -0.64% | -535 bps | |
| Share Growth (YoY) | -21.63% | -19.26% | -15.94% | -11.68% | -10.54% | +1,109 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.29% | 8.34% | 3.31% | 1.21% | 2.15% | -614 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.57% | 0.84% | 0.81% | 1.00% | -60 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.28% | 83.00% | 87.69% | 95.80% | 88.05% | +877 bps | |
| Liquid Assets / Assets | 19.99% | 20.77% | 14.33% | 8.03% | 17.04% | -295 bps | |