Santa Ana, CA · Charter 20658
Q4 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.20% | 0.46% | -0.21% | -60.97% | -6,138 bps | |
| Return on Equity | 2.95% | 1.45% | 3.42% | -2.14% | n/a | n/a | |
| Net Interest Margin | 2.31% | 2.27% | 2.25% | 1.72% | 1.24% | -107 bps | |
| Efficiency Ratio | 82.65% | 91.07% | 79.73% | 111.95% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 15.35% | 13.90% | 15.01% | 56.79% | -12.87% | -2,822 bps | |
| Loan Growth (YoY) | -0.77% | -1.40% | 1.90% | -4.88% | -19.94% | -1,917 bps | |
| Share Growth (YoY) | 17.62% | 16.01% | 17.06% | 66.30% | 43.66% | +2,603 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.99% | 0.00% | 1.48% | 24.22% | 46.21% | +4,522 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.12% | 0.10% | 0.11% | 0.11% | 0.42% | +31 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.91% | 14.06% | 13.52% | 9.71% | -45.00% | -5,891 bps | |
| Net Worth / Assets | 13.91% | 14.06% | 13.52% | 9.71% | -45.00% | -5,891 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.83% | 67.96% | 63.51% | 41.97% | 38.92% | -3,091 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |