Palo Alto, CA · Charter 24478
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.62% | -3.28% | -2.76% | -0.44% | -0.74% | +388 bps | |
| Return on Equity | -64.97% | -48.29% | -41.50% | -6.91% | -11.06% | +5,390 bps | |
| Net Interest Margin | 4.24% | 4.27% | 4.37% | 4.34% | 4.53% | +28 bps | |
| Efficiency Ratio | 210% | 146.46% | 127.69% | 84.64% | 98.26% | -11,145 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.00% | 8.42% | 5.15% | 4.68% | -8.37% | -1,636 bps | |
| Loan Growth (YoY) | -9.73% | -9.74% | -8.70% | -6.70% | -15.60% | -587 bps | |
| Share Growth (YoY) | 13.64% | 12.62% | 8.95% | 5.79% | -7.82% | -2,146 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 1.33% | 1.80% | 0.28% | 3.98% | +325 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.95% | 3.34% | 3.77% | 4.04% | 4.07% | +112 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.12% | 6.79% | 6.65% | 6.37% | 6.71% | -40 bps | |
| Net Worth / Assets | 7.12% | 6.79% | 6.65% | 6.37% | 6.71% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.46% | 44.07% | 44.02% | 42.22% | 41.62% | -384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |