Bakersfield, CA · Charter 61911
Q4 2009
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.89% | -12.10% | -9.79% | -8.26% | -5.53% | -464 bps | |
| Return on Equity | -11.70% | -311% | -342% | -363% | -179.67% | -16,798 bps | |
| Net Interest Margin | 3.83% | 3.34% | 4.02% | 4.56% | 4.74% | +91 bps | |
| Efficiency Ratio | 91.83% | 127.97% | 109.65% | 82.37% | 78.81% | -1,303 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.57% | 19.23% | 2.01% | -11.36% | -12.23% | -2,379 bps | |
| Loan Growth (YoY) | 11.09% | 2.52% | -2.14% | -8.32% | -12.98% | -2,407 bps | |
| Share Growth (YoY) | 13.38% | 25.77% | 8.80% | -6.96% | -7.65% | -2,102 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.07% | 1.23% | 1.15% | 3.49% | 1.47% | -160 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 2.89% | 4.57% | 5.83% | 4.98% | +382 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.61% | 3.89% | 2.86% | 2.28% | 3.08% | -453 bps | |
| Net Worth / Assets | 7.61% | 3.89% | 2.86% | 2.28% | 3.08% | -453 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.79% | 66.38% | 73.62% | 76.90% | 73.30% | -450 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |