Tracy, CA · Charter 16377
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.53% | -5.72% | -1.79% | -3.42% | -20.84% | -1,431 bps | |
| Return on Equity | -108.05% | -101.76% | -37.51% | -68.50% | -119184% | -11,907,585 bps | |
| Net Interest Margin | 4.72% | 4.70% | 5.02% | 5.03% | 5.00% | +28 bps | |
| Efficiency Ratio | 146.16% | 96.84% | 66.71% | 82.25% | 79.66% | -6,650 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.95% | -6.50% | -9.40% | -8.12% | -13.07% | -1,112 bps | |
| Loan Growth (YoY) | -7.76% | -10.45% | -15.83% | -15.24% | -16.58% | -882 bps | |
| Share Growth (YoY) | -0.78% | -4.73% | -6.73% | -5.60% | -7.56% | -678 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.23% | 3.10% | 3.54% | 3.85% | 2.76% | -47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 2.62% | 1.97% | 1.95% | 7.11% | +532 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.05% | 5.62% | 4.78% | 5.00% | 0.02% | -603 bps | |
| Net Worth / Assets | 6.05% | 5.62% | 4.78% | 5.00% | 0.02% | -603 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.47% | 85.71% | 85.04% | 83.38% | 78.03% | -844 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |