Redlands, CA · Charter 63022
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.33% | 0.50% | 0.64% | 0.93% | +68 bps | |
| Return on Equity | 3.78% | 4.62% | 6.86% | 8.12% | 11.47% | +770 bps | |
| Net Interest Margin | 4.09% | 4.48% | 4.47% | 5.08% | 5.04% | +95 bps | |
| Efficiency Ratio | 95.14% | 94.10% | 91.13% | 89.43% | 84.97% | -1,017 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.75% | -4.95% | -5.27% | -14.02% | -10.02% | -1,977 bps | |
| Loan Growth (YoY) | 7.22% | 5.56% | 10.82% | 10.65% | 13.40% | +618 bps | |
| Share Growth (YoY) | 12.03% | -3.73% | -4.63% | -15.66% | -11.60% | -2,362 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.15% | 0.06% | 0.04% | 0.31% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.54% | 0.46% | 0.47% | 0.45% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.53% | 7.06% | 7.26% | 7.90% | 8.11% | +158 bps | |
| Net Worth / Assets | 6.53% | 7.06% | 7.26% | 7.90% | 8.11% | +158 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.22% | 77.22% | 81.85% | 85.94% | 90.08% | +1,986 bps | |
| Liquid Assets / Assets | 24.99% | 20.39% | 19.79% | 17.70% | 0.00% | -2,499 bps | |