San Jose, CA · Charter 61034
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.26% | -2.33% | -1.31% | -4.52% | -5.51% | -526 bps | |
| Return on Equity | -3.12% | -35.94% | -19.68% | -87.32% | -117.06% | -11,394 bps | |
| Net Interest Margin | 3.25% | 3.45% | 3.91% | 4.05% | 4.60% | +136 bps | |
| Efficiency Ratio | 83.97% | 92.02% | 64.86% | 73.04% | 76.23% | -774 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.10% | -3.33% | -9.17% | -16.53% | -29.40% | -3,050 bps | |
| Loan Growth (YoY) | -0.47% | -15.69% | -18.93% | -22.78% | -28.88% | -2,840 bps | |
| Share Growth (YoY) | -2.79% | -3.91% | -12.55% | -18.61% | -25.33% | -2,255 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.36% | 1.60% | 3.33% | 3.37% | 4.80% | +343 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 3.21% | 3.58% | 5.06% | 6.29% | +507 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.30% | 6.49% | 6.63% | 5.18% | 4.71% | -359 bps | |
| Net Worth / Assets | 8.30% | 6.49% | 6.63% | 5.18% | 4.71% | -359 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.76% | 90.96% | 92.25% | 91.00% | 96.93% | -483 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |