Alameda, CA · Charter 24460
Q4 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.96% | 1.34% | 0.60% | 1.20% | -12 bps | |
| Return on Equity | 21.91% | 30.41% | 18.78% | 8.48% | n/a | n/a | |
| Net Interest Margin | 4.33% | 5.00% | 5.10% | 5.96% | 7.09% | +276 bps | |
| Efficiency Ratio | 72.57% | 73.56% | 80.13% | 82.33% | 78.03% | +546 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 51.82% | 33.77% | 12.11% | 2.11% | -25.39% | -7,721 bps | |
| Loan Growth (YoY) | 16.39% | 14.27% | 9.59% | 3.50% | -2.19% | -1,858 bps | |
| Share Growth (YoY) | 53.71% | 33.63% | 10.68% | 2.04% | -2.78% | -5,649 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.33% | 1.75% | 1.41% | 1.19% | 1.42% | -90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.48% | 0.39% | 0.48% | 0.82% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.02% | 6.43% | 7.11% | 7.03% | -21.22% | -2,724 bps | |
| Net Worth / Assets | 6.02% | 6.43% | 7.11% | 7.03% | -21.22% | -2,724 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.68% | 67.09% | 73.37% | 73.13% | 67.08% | +40 bps | |
| Liquid Assets / Assets | 21.77% | 29.51% | 19.93% | 22.06% | 4.96% | -1,681 bps | |