San Diego, CA · Charter 24298
Q2 2001
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 1.12% | 1.08% | 1.01% | 1.01% | -7 bps | |
| Return on Equity | n/a | n/a | 9.59% | 9.39% | 9.30% | n/a | |
| Net Interest Margin | 3.41% | 3.39% | 3.28% | 3.28% | 3.29% | -13 bps | |
| Efficiency Ratio | 68.71% | 68.48% | 68.67% | 70.12% | 70.32% | +160 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.17% | 13.59% | 12.00% | 16.43% | 14.43% | -374 bps | |
| Loan Growth (YoY) | 43.18% | 31.16% | 24.24% | 17.42% | 15.16% | -2,802 bps | |
| Share Growth (YoY) | 14.38% | 15.28% | 17.17% | 19.76% | 23.63% | +925 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.21% | 0.19% | 0.21% | 0.24% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.34% | 0.32% | 0.31% | 0.30% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 11.28% | 10.77% | 10.88% | n/a | |
| Net Worth / Assets | n/a | n/a | 11.28% | 10.77% | 10.88% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.56% | 95.99% | 93.85% | 90.58% | 91.81% | -675 bps | |
| Liquid Assets / Assets | 7.60% | 6.01% | 5.82% | 5.79% | 5.63% | -197 bps | |