Rancho Cucamong, CA · Charter 575
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.05% | 3.95% | 3.49% | 3.83% | 3.91% | -14 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -2.02% | -1.62% | 0.34% | -1.78% | 0.60% | +262 bps | |
| Loan Growth (YoY) | -8.68% | -10.93% | -15.86% | -25.22% | -30.31% | -2,163 bps | |
| Share Growth (YoY) | -2.96% | -2.59% | 0.11% | -2.73% | -0.17% | +279 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.49% | 1.55% | 0.79% | 0.69% | 0.64% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 2.09% | 2.02% | 2.23% | 2.68% | +56 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.58% | 60.03% | 52.89% | 50.18% | 42.99% | -1,859 bps | |
| Liquid Assets / Assets | 25.00% | 18.30% | 27.82% | 30.62% | 41.70% | +1,669 bps | |