San Bruno, CA · Charter 17605
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.09% | -3.88% | -3.28% | -0.84% | -1.12% | +397 bps | |
| Return on Equity | -55.32% | -41.89% | -35.45% | -9.61% | -13.08% | +4,224 bps | |
| Net Interest Margin | 3.61% | 3.80% | 3.99% | 3.80% | 4.02% | +41 bps | |
| Efficiency Ratio | 155.59% | 134.21% | 124.80% | 111.81% | 110.95% | -4,464 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.03% | -10.20% | -8.79% | -7.00% | -8.16% | +686 bps | |
| Loan Growth (YoY) | -22.75% | -8.16% | -5.10% | -0.20% | -0.98% | +2,177 bps | |
| Share Growth (YoY) | -14.37% | -8.89% | -6.57% | -5.12% | -7.52% | +685 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.45% | 2.41% | 2.80% | 3.50% | 3.90% | +144 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.83% | 2.51% | 2.41% | 2.76% | 2.92% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.20% | 9.27% | 9.26% | 8.75% | 8.60% | -60 bps | |
| Net Worth / Assets | 9.20% | 9.27% | 9.26% | 8.75% | 8.60% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.57% | 74.79% | 75.11% | 66.00% | 66.99% | +443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |