Fresno, CA · Charter 62747
Q4 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.62% | 2.25% | 2.40% | 1.90% | -1.01% | -262 bps | |
| Return on Equity | 8.02% | 11.27% | 12.02% | 9.50% | -5.67% | -1,369 bps | |
| Net Interest Margin | 3.61% | 2.68% | 2.92% | 3.01% | 3.05% | -56 bps | |
| Efficiency Ratio | 60.38% | 49.99% | 46.83% | 53.55% | 114.65% | +5,427 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.60% | 7.73% | 10.48% | 8.40% | 7.35% | +475 bps | |
| Loan Growth (YoY) | -5.31% | -5.20% | -4.54% | -2.57% | -1.35% | +396 bps | |
| Share Growth (YoY) | 0.04% | 7.73% | 10.50% | 9.49% | 9.42% | +938 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 0.22% | 0.28% | 0.32% | 0.37% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.68% | 0.90% | 0.84% | 0.91% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.15% | 19.94% | 19.98% | 19.95% | 17.78% | -237 bps | |
| Net Worth / Assets | 20.15% | 19.94% | 19.98% | 19.95% | 17.78% | -237 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.62% | 75.28% | 72.79% | 71.27% | 71.79% | -784 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |