San Francisco, CA · Charter 18967
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.86% | 3.56% | 3.64% | 3.16% | 0.35% | -352 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 | 4.52% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 83.87% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 3.97% | 4.60% | 5.68% | 1.94% | -0.97% | -494 bps | |
| Loan Growth (YoY) | 10.77% | 4.58% | -7.15% | -9.05% | -7.86% | -1,863 bps | |
| Share Growth (YoY) | 2.99% | 3.69% | 4.92% | 3.00% | 1.65% | -134 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 1.96% | 1.17% | 1.67% | 0.66% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 1.17% | 1.10% | 1.01% | 0.74% | -32 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 | 82.69% | 78.06% | 74.78% | 71.59% | 74.95% | -774 bps | |
| Liquid Assets / Assets | 14.22% | 14.15% | 11.32% | 4.36% | 3.10% | -1,112 bps | |