Merced, CA · Charter 17721
Q4 1997
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 3.08% | 3.62% | 3.00% | -1.46% | -252 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | -15.79% | -15.59% | -14.91% | -28.12% | n/a | |
| Loan Growth (YoY) | n/a | -26.68% | -39.61% | -36.20% | -23.58% | n/a | |
| Share Growth (YoY) | n/a | -15.36% | -14.21% | -15.79% | -29.33% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.20% | 11.92% | 10.69% | 7.28% | 5.32% | +212 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.59% | 3.79% | 4.25% | 3.54% | 7.73% | +414 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.87% | 97.29% | 80.60% | 80.26% | 104.75% | +788 bps | |
| Liquid Assets / Assets | 16.44% | 10.26% | 22.10% | 23.46% | 9.36% | -709 bps | |