Santa Clarita, CA · Charter 499
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.12% | -0.74% | -0.93% | -21.17% | -2,148 bps | |
| Return on Equity | 1.39% | 0.52% | -3.40% | -4.34% | -164.43% | -16,582 bps | |
| Net Interest Margin | 6.61% | 6.58% | 6.49% | 5.59% | 2.68% | -393 bps | |
| Efficiency Ratio | 85.98% | 89.44% | 91.48% | 114.24% | 429% | +34,314 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.38% | -11.53% | -9.93% | -3.54% | -9.79% | +159 bps | |
| Loan Growth (YoY) | -19.31% | -15.16% | -15.39% | -14.76% | -19.10% | +21 bps | |
| Share Growth (YoY) | -11.88% | -11.59% | -4.49% | -3.32% | -4.75% | +713 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 2.52% | 2.91% | 4.38% | 3.33% | +333 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.41% | 0.73% | 0.46% | 4.19% | +386 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.04% | 22.64% | 21.84% | 21.43% | 12.88% | -916 bps | |
| Net Worth / Assets | 22.04% | 22.64% | 21.84% | 21.43% | 12.88% | -916 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.69% | 97.26% | 89.06% | 83.66% | 78.72% | -1,397 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |