El Segundo, CA · Charter 15318
Q4 2003
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | -0.29% | -0.60% | -0.64% | -0.79% | -158 bps | |
| Return on Equity | 6.79% | -2.53% | -5.65% | -6.06% | -6.52% | -1,331 bps | |
| Net Interest Margin | 6.70% | 5.87% | 5.14% | 5.21% | 5.72% | -98 bps | |
| Efficiency Ratio | 83.40% | 97.09% | 103.50% | 104.77% | 107.32% | +2,392 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -35.41% | -25.36% | -8.24% | -10.62% | -9.02% | +2,639 bps | |
| Loan Growth (YoY) | -28.59% | -11.10% | -20.61% | -20.44% | -22.80% | +580 bps | |
| Share Growth (YoY) | -38.31% | -27.87% | -8.67% | -11.10% | -9.46% | +2,886 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.50% | 4.42% | 3.53% | 3.47% | 7.07% | +357 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.40% | 1.14% | 1.18% | 1.33% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.71% | 11.51% | 10.60% | 10.64% | 12.08% | +37 bps | |
| Net Worth / Assets | 11.71% | 11.51% | 10.60% | 10.64% | 12.08% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.66% | 93.95% | 80.47% | 79.86% | 83.28% | -1,439 bps | |
| Liquid Assets / Assets | 12.60% | 11.49% | 27.28% | 26.74% | 24.55% | +1,196 bps | |