Sacramento, CA · Charter 1557
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.28% | -0.62% | -0.77% | -1.67% | -6.21% | -593 bps | |
| Return on Equity | -2.58% | -5.86% | -6.24% | -13.77% | -70.46% | -6,787 bps | |
| Net Interest Margin | 4.78% | 4.56% | 5.36% | 5.61% | 4.87% | +10 bps | |
| Efficiency Ratio | 105.29% | 112.36% | 113.11% | 120.10% | 219% | +11,342 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -26.97% | -14.10% | -25.88% | -24.85% | -24.09% | +288 bps | |
| Loan Growth (YoY) | -18.38% | -19.65% | -22.67% | -21.85% | -22.26% | -387 bps | |
| Share Growth (YoY) | -27.32% | -12.57% | -26.38% | -26.04% | -24.04% | +328 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.75% | 1.57% | 1.57% | 0.27% | 5.24% | +349 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 1.17% | 1.24% | 1.92% | 0.25% | -89 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.85% | 10.51% | 12.27% | 12.11% | 8.82% | -203 bps | |
| Net Worth / Assets | 10.85% | 10.51% | 12.27% | 12.11% | 8.82% | -203 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.49% | 69.80% | 80.06% | 80.40% | 78.29% | +180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |