Isla Vista, CA · Charter 20418
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.43% | -10.16% | -1.19% | -4.59% | -4445% | -444,066 bps | |
| Return on Equity | -30.44% | -81.91% | -8.55% | -39.43% | -4445% | -441,466 bps | |
| Net Interest Margin | 2.55% | 1.47% | 1.05% | 1.11% | -2396% | -239,863 bps | |
| Efficiency Ratio | 440% | 725% | 1461% | 1338% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -50.84% | -33.09% | -21.17% | -18.95% | -99.68% | -4,884 bps | |
| Loan Growth (YoY) | -87.58% | -71.88% | -100.00% | -100.00% | -100.00% | -1,242 bps | |
| Share Growth (YoY) | -53.64% | -33.52% | -24.42% | -19.96% | -100.00% | -4,636 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 100.00% | 153.64% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 14.57% | 12.40% | 13.88% | 11.63% | 100.00% | +8,543 bps | |
| Net Worth / Assets | 14.57% | 12.40% | 13.88% | 11.63% | 100.00% | +8,543 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 8.31% | 5.41% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 96.79% | 99.25% | 99.15% | 97.80% | 100.00% | +321 bps | |