Vallejo, CA · Charter 15625
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.84% | 0.86% | 0.64% | 0.00% | -58 bps | |
| Return on Equity | 5.90% | 8.72% | 8.38% | 6.07% | 0.02% | -588 bps | |
| Net Interest Margin | 3.75% | 3.99% | 4.20% | 4.28% | 4.20% | +45 bps | |
| Efficiency Ratio | 87.17% | 80.59% | 81.15% | 81.87% | 95.72% | +855 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.64% | -0.77% | -6.74% | -6.66% | -2.54% | -518 bps | |
| Loan Growth (YoY) | 42.20% | 67.43% | 84.70% | 20.44% | 14.73% | -2,748 bps | |
| Share Growth (YoY) | 2.15% | -1.57% | -8.16% | -8.15% | -3.10% | -525 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.50% | 1.10% | 0.89% | 0.09% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.51% | 0.48% | 0.50% | 0.04% | -58 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.82% | 9.67% | 10.27% | 10.55% | 10.08% | +26 bps | |
| Net Worth / Assets | 9.82% | 9.67% | 10.27% | 10.55% | 10.08% | +26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.20% | 71.06% | 82.26% | 81.30% | 76.01% | +1,181 bps | |
| Liquid Assets / Assets | 37.50% | 31.22% | 18.19% | 19.71% | 25.85% | -1,165 bps | |