San Francisco, CA · Charter 60585
Q3 2002
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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.39% | 1.40% | 1.56% | 1.49% | 1.58% | +19 bps | |
| Return on Equity | 14.03% | 13.90% | 16.44% | 16.05% | 16.66% | +263 bps | |
| Net Interest Margin | 2.92% | 2.93% | 3.10% | 2.86% | 2.80% | -12 bps | |
| Efficiency Ratio | 47.54% | 46.05% | 43.75% | 44.49% | 43.70% | -384 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.04% | 23.08% | 18.48% | 25.24% | 24.02% | +197 bps | |
| Loan Growth (YoY) | 5.76% | 8.47% | 15.87% | 9.93% | 8.27% | +251 bps | |
| Share Growth (YoY) | 21.94% | 23.83% | 18.90% | 26.42% | 24.72% | +278 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 0.95% | 0.85% | 0.75% | 0.74% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 1.24% | 1.25% | 1.23% | 1.21% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.92% | 10.05% | 9.49% | 9.27% | 9.50% | -42 bps | |
| Net Worth / Assets | 9.92% | 10.05% | 9.49% | 9.27% | 9.50% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.97% | 69.85% | 65.75% | 61.63% | 59.87% | -910 bps | |
| Liquid Assets / Assets | 15.61% | 15.50% | 20.52% | 19.23% | 25.49% | +988 bps | |