San Diego, CA · Charter 2218
Q1 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 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.08% | 4.22% | 4.35% | 4.20% | 3.70% | -37 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) | 6.80% | 7.68% | 8.03% | 10.68% | 11.35% | +456 bps | |
| Loan Growth (YoY) | 9.81% | 8.22% | 8.64% | 10.88% | 14.10% | +430 bps | |
| Share Growth (YoY) | 6.63% | 7.15% | 8.06% | 10.29% | 11.17% | +454 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.69% | 0.57% | 0.53% | 0.46% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.07% | 1.00% | 0.99% | 0.99% | -16 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 | 59.33% | 62.73% | 66.66% | 65.60% | 60.89% | +156 bps | |
| Liquid Assets / Assets | 28.13% | 26.53% | 21.66% | 21.34% | 33.95% | +582 bps | |