Covina, CA · Charter 62462
Q4 1998
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 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.26% | 4.88% | 4.58% | 4.58% | 4.50% | +23 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.11% | 12.02% | 6.97% | 6.15% | 7.96% | -116 bps | |
| Loan Growth (YoY) | 7.88% | 6.46% | 6.20% | 6.99% | 5.36% | -251 bps | |
| Share Growth (YoY) | 13.51% | 13.07% | 7.26% | 5.97% | 8.26% | -525 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.74% | 0.56% | 0.44% | 0.37% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.74% | 0.70% | 0.66% | 0.59% | -23 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 | 86.23% | 83.51% | 84.62% | 85.93% | 83.93% | -231 bps | |
| Liquid Assets / Assets | 6.29% | 8.39% | 7.28% | 7.63% | 10.56% | +427 bps | |