Commerce, CA · Charter 16326
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | 0.05% | 0.03% | 0.03% | -0.28% | -19 bps | |
| Return on Equity | -0.72% | 0.43% | 0.24% | 0.25% | -2.21% | -149 bps | |
| Net Interest Margin | 3.03% | 2.89% | 2.79% | 2.86% | 2.88% | -15 bps | |
| Efficiency Ratio | 96.32% | 88.71% | 89.17% | 88.85% | 92.49% | -382 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.00% | -6.02% | -3.08% | -2.45% | -2.71% | +428 bps | |
| Loan Growth (YoY) | 0.39% | -4.48% | -6.95% | -5.37% | -6.70% | -709 bps | |
| Share Growth (YoY) | -8.09% | -6.98% | -3.50% | -2.82% | -2.76% | +533 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.18% | 1.12% | 1.41% | 1.31% | 2.67% | +148 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.64% | 0.60% | 0.55% | 0.89% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.56% | 12.52% | 12.42% | 12.74% | 12.63% | +7 bps | |
| Net Worth / Assets | 12.56% | 12.52% | 12.42% | 12.74% | 12.63% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.88% | 62.63% | 61.38% | 62.45% | 62.25% | -263 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |