Oakland, CA · Charter 23550
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.67% | 3.35% | -17.16% | -2.62% | -298 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 | 4.71% | 3.72% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 90.87% | 163.38% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 45.69% | 21.57% | 14.59% | -14.61% | -36.48% | -8,217 bps | |
| Loan Growth (YoY) | 40.90% | 5.11% | 4.50% | -7.90% | -37.23% | -7,814 bps | |
| Share Growth (YoY) | 49.87% | 30.17% | 22.93% | 8.42% | -18.13% | -6,801 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.00% | 4.85% | 3.81% | 16.16% | 11.61% | +561 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 3.08% | 1.21% | 16.75% | 15.76% | +1,429 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 | 83.96% | 78.16% | 80.33% | 83.60% | 64.38% | -1,959 bps | |
| Liquid Assets / Assets | 3.82% | 12.10% | 6.51% | 8.32% | 5.77% | +194 bps | |