San Luis Obispo, CA · Charter 2399
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.98% | 1.46% | 0.80% | 0.02% | -1.97% | -395 bps | |
| Return on Equity | 6.88% | 4.95% | 2.83% | 0.09% | -14.86% | -2,174 bps | |
| Net Interest Margin | 4.69% | 4.38% | 3.80% | 2.65% | 1.71% | -298 bps | |
| Efficiency Ratio | 59.83% | 68.33% | 79.93% | 99.22% | 208% | +14,848 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.88% | -6.37% | -4.00% | 17.70% | 14.93% | +1,781 bps | |
| Loan Growth (YoY) | -5.94% | 12.60% | -10.92% | -24.34% | -17.50% | -1,156 bps | |
| Share Growth (YoY) | -4.64% | -8.97% | -5.45% | 24.36% | 39.45% | +4,409 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 3.22% | 3.31% | 3.11% | +311 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.31% | 2.45% | 2.89% | 2.98% | 2.80% | +49 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.75% | 29.44% | 28.40% | 24.29% | 13.29% | -1,546 bps | |
| Net Worth / Assets | 28.75% | 29.44% | 28.40% | 24.29% | 13.29% | -1,546 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.61% | 61.64% | 49.81% | 39.88% | 37.63% | -2,598 bps | |
| Liquid Assets / Assets | 54.08% | 56.50% | 64.06% | 69.57% | 67.45% | +1,336 bps | |