PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

North Island

San Diego, CA · Charter 3986

Q3 2000

$985.5MAssets
$702.8MLoans
$807.7MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.74%, down 3 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.14% of loans (-17 bps YoY).
  • Funding: loans stand at 87.01% of shares as of Q3 2000.

Financial Results

Return on Assets (YTD, annualized)

0.74%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-8 bps YoY

Efficiency Ratio (YTD, annualized)

79.47%+236 bps YoY

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets0.77%0.81%0.62%0.73%0.74%-3 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Margin3.36%3.27%3.30%3.41%3.28%-8 bps
Efficiency Ratio77.12%76.57%84.53%80.81%79.47%+236 bps
Growth
Asset Growth (YoY)15.62%17.59%13.76%12.25%16.52%+90 bps
Loan Growth (YoY)21.00%22.10%22.91%25.41%18.95%-206 bps
Share Growth (YoY)8.86%10.13%10.93%10.22%15.45%+659 bps
Asset Quality
Delinquent Loans / Loans0.31%0.30%0.11%0.12%0.14%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.79%0.66%0.59%0.54%0.50%-28 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares84.45%85.86%84.72%88.97%87.01%+256 bps
Liquid Assets / Assets19.04%16.09%21.00%16.00%17.31%-173 bps