Modesto, CA · Charter 5992
Q1 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 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.95% | 4.15% | 4.15% | 4.11% | 4.38% | +42 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) | 10.04% | 9.21% | 9.17% | 10.68% | 8.08% | -196 bps | |
| Loan Growth (YoY) | 4.65% | 0.70% | -1.79% | -3.39% | -2.55% | -719 bps | |
| Share Growth (YoY) | 10.03% | 9.19% | 9.00% | 11.49% | 7.98% | -204 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.41% | 0.43% | 0.54% | 0.60% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.89% | 0.89% | 0.91% | 0.89% | +4 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 | 55.29% | 54.02% | 51.29% | 49.86% | 49.90% | -539 bps | |
| Liquid Assets / Assets | 20.97% | 20.88% | 17.95% | 17.77% | 13.81% | -716 bps | |