Atascadero, CA · Charter 63059
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.56% | 2.61% | 2.46% | 0.46% | 0.20% | -236 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 | 5.29% | 5.37% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 90.61% | 85.30% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.39% | -0.29% | 4.89% | 10.60% | 16.02% | +1,941 bps | |
| Loan Growth (YoY) | -2.67% | -6.38% | 3.07% | 9.86% | 17.82% | +2,049 bps | |
| Share Growth (YoY) | -5.11% | -0.78% | 5.28% | 11.71% | 17.97% | +2,308 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.33% | 0.37% | 1.14% | 0.72% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.43% | 1.37% | 1.22% | 1.02% | -34 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 | 85.10% | 81.98% | 78.61% | 86.51% | 84.99% | -11 bps | |
| Liquid Assets / Assets | 15.04% | 18.74% | 17.41% | 11.89% | 11.96% | -307 bps | |