Pomona, CA · Charter 2125
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.35% | 3.42% | 3.37% | 2.74% | 3.05% | -30 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -0.51% | -5.43% | -5.10% | 0.66% | 8.26% | +877 bps | |
| Loan Growth (YoY) | -9.83% | -10.48% | -9.09% | -12.24% | -7.52% | +231 bps | |
| Share Growth (YoY) | -2.79% | -7.15% | -6.32% | 1.55% | 10.63% | +1,341 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.34% | 2.25% | 1.89% | 0.77% | 0.64% | -71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 2.58% | 2.26% | 2.09% | 2.20% | +61 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.86% | 85.80% | 84.57% | 71.68% | 69.26% | -1,359 bps | |
| Liquid Assets / Assets | 24.77% | 15.79% | 14.50% | 19.59% | 25.02% | +25 bps | |