Wilmington, CA · Charter 5153
Q3 2002
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 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | -0.11% | 0.31% | -0.21% | -2.59% | -294 bps | |
| Return on Equity | 1.86% | -0.67% | 1.93% | -1.31% | -17.17% | -1,903 bps | |
| Net Interest Margin | 5.14% | 4.45% | 4.53% | 4.70% | 4.99% | -14 bps | |
| Efficiency Ratio | 88.99% | 97.66% | 90.67% | 104.24% | 140.61% | +5,162 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.69% | -0.75% | 11.54% | 10.27% | 12.62% | +1,831 bps | |
| Loan Growth (YoY) | -11.39% | -2.40% | 0.94% | -13.54% | -13.48% | -209 bps | |
| Share Growth (YoY) | -8.74% | -2.81% | 12.26% | 13.45% | 18.75% | +2,749 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.32% | 0.04% | 0.00% | 0.70% | +41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 1.07% | 0.89% | 1.06% | 1.90% | +97 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.82% | 16.88% | 16.31% | 15.72% | 15.10% | -372 bps | |
| Net Worth / Assets | 18.82% | 16.88% | 16.31% | 15.72% | 15.10% | -372 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.17% | 68.01% | 65.18% | 52.27% | 54.04% | -2,013 bps | |
| Liquid Assets / Assets | 15.00% | 21.66% | 18.49% | 21.92% | 17.16% | +216 bps | |