Monterey, CA · Charter 24323
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.05% | 0.25% | 0.33% | 0.36% | +30 bps | |
| Return on Equity | 0.42% | 0.31% | 1.49% | 1.96% | 2.06% | +164 bps | |
| Net Interest Margin | 4.06% | 3.95% | 4.04% | 3.98% | 3.93% | -13 bps | |
| Efficiency Ratio | 92.24% | 95.31% | 90.87% | 88.29% | 85.72% | -652 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.97% | -8.13% | -7.88% | -3.20% | -6.35% | +362 bps | |
| Loan Growth (YoY) | -10.43% | -15.34% | -19.04% | -15.55% | -11.27% | -84 bps | |
| Share Growth (YoY) | -8.78% | -6.54% | -9.63% | -4.19% | -8.06% | +72 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 1.52% | 1.34% | 0.60% | 1.76% | +99 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.83% | 2.95% | 2.55% | 2.70% | 2.37% | -46 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.18% | 16.17% | 17.04% | 17.03% | 17.70% | +151 bps | |
| Net Worth / Assets | 16.18% | 16.17% | 17.04% | 17.03% | 17.70% | +151 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.84% | 73.84% | 72.38% | 70.50% | 74.16% | -268 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |