San Leandro, CA · Charter 6171
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.41% | 5.20% | 3.80% | -4.89% | -4.19% | -860 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 | 6.19% | 5.99% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 71.60% | 99.29% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 13.45% | -13.24% | -22.39% | -25.16% | -32.46% | -4,591 bps | |
| Loan Growth (YoY) | 0.55% | -15.36% | -23.37% | -18.53% | -18.34% | -1,889 bps | |
| Share Growth (YoY) | 16.67% | -9.45% | -24.06% | -21.02% | -30.13% | -4,679 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.12% | 7.94% | 7.50% | 2.62% | 1.33% | -379 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.34% | 0.77% | 2.39% | 2.51% | +123 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 | 87.25% | 100.50% | 93.85% | 102.63% | 101.97% | +1,471 bps | |
| Liquid Assets / Assets | 3.66% | 0.00% | 13.83% | 8.37% | 2.71% | -94 bps | |