San Jose, CA · Charter 19408
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.75% | -7.19% | -5.95% | -0.91% | -0.18% | +857 bps | |
| Return on Equity | -28.16% | -20.26% | -16.16% | -2.36% | -0.45% | +2,771 bps | |
| Net Interest Margin | 6.60% | 7.26% | 6.99% | 5.49% | 4.51% | -208 bps | |
| Efficiency Ratio | 131.11% | 129.03% | 128.03% | 116.64% | 102.83% | -2,828 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -51.67% | -55.31% | -55.36% | -54.48% | -24.59% | +2,708 bps | |
| Loan Growth (YoY) | -50.30% | -55.01% | -57.70% | -64.92% | -60.67% | -1,037 bps | |
| Share Growth (YoY) | -59.28% | -64.21% | -65.13% | -65.15% | -34.12% | +2,515 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 29.16% | 17.36% | 9.71% | 17.07% | 34.43% | +527 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.65% | 4.60% | 5.48% | 7.41% | 10.04% | +639 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.08% | 35.48% | 36.83% | 38.65% | 39.84% | +876 bps | |
| Net Worth / Assets | 31.08% | 35.48% | 36.83% | 38.65% | 39.84% | +876 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.20% | 73.52% | 65.91% | 54.13% | 44.89% | -3,031 bps | |
| Liquid Assets / Assets | 47.50% | 52.13% | 58.47% | 68.67% | 74.60% | +2,710 bps | |