Tempe, AZ · Charter 194
Q2 2000
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 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.16% | 1.16% | 1.14% | 0.83% | 1.17% | -300 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | 4.12% | 4.17% | 4.06% | 4.10% | n/a | |
| Efficiency Ratio | n/a | 75.12% | 74.29% | 78.27% | 74.30% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 10.34% | 12.47% | 6.50% | 13.78% | 10.85% | +51 bps | |
| Loan Growth (YoY) | 0.03% | 1.50% | 10.69% | 16.95% | 25.12% | +2,509 bps | |
| Share Growth (YoY) | 10.39% | 11.30% | 6.02% | 14.16% | 10.60% | +21 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.37% | 0.40% | 0.37% | 0.29% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.56% | 0.62% | 0.61% | 0.55% | -6 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 | 70.18% | 73.37% | 78.51% | 73.73% | 79.39% | +921 bps | |
| Liquid Assets / Assets | 15.31% | 10.08% | 6.70% | 8.25% | 5.40% | -991 bps | |