San Francisco, CA · Charter 20620
Q1 2011
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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -8.56% | -5.17% | -15.28% | -4.52% | -6.09% | +247 bps | |
| Return on Equity | -193.08% | -92.77% | -762% | -189.24% | -674% | -48,125 bps | |
| Net Interest Margin | 6.14% | 5.97% | 5.78% | 5.78% | 6.48% | +34 bps | |
| Efficiency Ratio | 90.63% | 79.34% | 69.20% | 79.27% | 114.82% | +2,420 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.77% | -14.34% | -8.86% | -3.77% | -16.36% | +141 bps | |
| Loan Growth (YoY) | -19.81% | -18.15% | -12.50% | -6.19% | -13.49% | +633 bps | |
| Share Growth (YoY) | -8.76% | -6.15% | -0.21% | 4.76% | -10.61% | -185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.45% | 9.85% | 9.76% | 13.04% | 16.32% | +587 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.40% | 3.39% | 7.10% | 3.91% | 3.87% | +48 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.43% | 5.57% | 2.01% | 2.39% | 0.90% | -353 bps | |
| Net Worth / Assets | 4.43% | 5.57% | 2.01% | 2.39% | 0.90% | -353 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.80% | 98.05% | 92.12% | 86.18% | 95.61% | -318 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |