Fullerton, CA · Charter 61038
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | -0.20% | -0.20% | -0.38% | -0.40% | -46 bps | |
| Return on Equity | 0.41% | -1.36% | -1.36% | -2.69% | -2.81% | -322 bps | |
| Net Interest Margin | 1.71% | 1.63% | 1.57% | 1.11% | 1.10% | -62 bps | |
| Efficiency Ratio | 94.95% | 109.16% | 109.18% | 127.97% | 129.35% | +3,439 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.07% | 0.79% | -0.07% | 2.41% | 3.13% | +320 bps | |
| Loan Growth (YoY) | -30.11% | -33.80% | -27.65% | -28.29% | -26.33% | +378 bps | |
| Share Growth (YoY) | -0.46% | 0.85% | 2.09% | 3.11% | 4.11% | +457 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.27% | 0.34% | 0.24% | 0.11% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.44% | 0.58% | 0.46% | 0.41% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.16% | 14.80% | 14.85% | 14.17% | 14.27% | -89 bps | |
| Net Worth / Assets | 15.16% | 14.80% | 14.85% | 14.17% | 14.27% | -89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 15.92% | 14.07% | 13.59% | 11.59% | 11.26% | -465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |