Oakland, CA · Charter 62693
Q2 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.10% | -1.03% | -1.05% | -4.66% | -3.74% | -264 bps | |
| Return on Equity | -12.84% | -11.54% | -11.46% | -56.51% | -51.20% | -3,836 bps | |
| Net Interest Margin | 4.62% | 4.72% | 4.85% | 4.26% | 3.85% | -77 bps | |
| Efficiency Ratio | 109.37% | 110.28% | 111.60% | 133.26% | 151.39% | +4,202 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -29.32% | -26.61% | -21.06% | -17.52% | -13.74% | +1,559 bps | |
| Loan Growth (YoY) | -20.99% | -20.88% | -21.62% | -24.00% | -22.03% | -104 bps | |
| Share Growth (YoY) | -30.94% | -28.03% | -22.20% | -17.73% | -13.03% | +1,790 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.28% | 4.08% | 2.25% | 2.28% | 4.38% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.36% | 0.29% | 1.27% | 0.00% | -133 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.56% | 8.91% | 9.13% | 8.25% | 7.31% | -126 bps | |
| Net Worth / Assets | 8.56% | 8.91% | 9.13% | 8.25% | 7.31% | -126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.91% | 90.46% | 89.25% | 83.85% | 78.81% | -910 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |