Westminster, CA · Charter 5679
Q4 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.09% | 0.09% | 0.09% | 0.07% | -9 bps | |
| Return on Equity | 1.50% | 0.90% | 0.91% | 0.95% | 0.73% | -77 bps | |
| Net Interest Margin | 3.33% | 3.55% | 3.50% | 3.42% | 3.35% | +2 bps | |
| Efficiency Ratio | 92.34% | 95.79% | 96.55% | 96.74% | 97.24% | +490 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 78.93% | 80.23% | 14.58% | 14.44% | 12.15% | -6,677 bps | |
| Loan Growth (YoY) | 44.88% | 39.62% | 2.51% | -6.07% | -6.55% | -5,143 bps | |
| Share Growth (YoY) | 78.93% | 80.87% | 16.70% | 16.50% | 13.93% | -6,501 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 0.26% | 0.68% | 1.80% | 1.96% | +98 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.07% | 1.04% | 1.12% | 0.99% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.83% | 10.34% | 10.22% | 9.92% | 9.73% | -110 bps | |
| Net Worth / Assets | 10.83% | 10.34% | 10.22% | 9.92% | 9.73% | -110 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.91% | 64.16% | 64.62% | 58.64% | 57.35% | -1,257 bps | |
| Liquid Assets / Assets | 18.73% | 21.24% | 17.86% | 22.77% | 23.29% | +456 bps | |