Redding, CA · Charter 16782
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.04% | 0.10% | -3.82% | -2.05% | -4.32% | -428 bps | |
| Return on Equity | -0.21% | 0.47% | -19.34% | -9.93% | -23.03% | -2,282 bps | |
| Net Interest Margin | 8.36% | 8.97% | 8.36% | 7.24% | 6.82% | -155 bps | |
| Efficiency Ratio | 100.42% | 99.07% | 102.92% | 124.35% | 155.22% | +5,479 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.66% | -11.89% | -12.19% | -12.37% | -11.77% | +189 bps | |
| Loan Growth (YoY) | -14.31% | -13.68% | -12.24% | -28.18% | -31.04% | -1,672 bps | |
| Share Growth (YoY) | -16.32% | -14.64% | -13.40% | -13.77% | -11.34% | +498 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 25.06% | 17.60% | 27.37% | 21.28% | 29.71% | +464 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.60% | 2.77% | 3.05% | 3.30% | 3.77% | +117 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.27% | 20.56% | 19.76% | 20.68% | 18.74% | -53 bps | |
| Net Worth / Assets | 19.27% | 20.56% | 19.76% | 20.68% | 18.74% | -53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.36% | 80.15% | 72.27% | 71.33% | 61.73% | -1,763 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |