PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

C. I. P.

Santa Fe Spring, CA · Charter 20084

Q4 2008

$0KAssets
$0KLoans
$0KShares
$0KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -6758700.00%, down 675,870,049 bps year over year; NIM at -6383450.00%.
  • Capital: net worth / assets of 0.00%, down 3,674 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

-6758700%-675,870,049 bps YoY

Net Interest Margin (YTD, annualized)

-6383450%-638,345,215 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

0.00%-3,674 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.49%0.44%-0.03%-45.02%-6758700%-675,870,049 bps
Return on Equity1.34%1.19%-0.07%-2886%n/an/a
Net Interest Margin2.15%2.82%2.27%-42.80%-6383450%-638,345,215 bps
Efficiency Ratio77.36%84.32%101.12%n/an/an/a
Growth
Asset Growth (YoY)0.73%-2.90%3.45%4.32%-100.00%-10,073 bps
Loan Growth (YoY)-100.00%n/an/an/an/an/a
Share Growth (YoY)0.37%-5.37%5.07%59.32%-100.00%-10,036 bps
Asset Quality
Delinquent Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Capital
Risk-Based Capital36.74%37.03%35.63%1.56%0.00%-3,674 bps
Net Worth / Assets36.74%37.03%35.63%1.56%0.00%-3,674 bps
Liquidity & Funding
Loans / Shares0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps