Pacifica, CA · Charter 63491
Q4 2011
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.20% | -1.50% | -2.27% | -2.68% | -2.55% | -136 bps | |
| Return on Equity | -19.19% | -27.09% | -46.37% | -59.12% | -57.86% | -3,866 bps | |
| Net Interest Margin | 7.67% | 7.32% | 7.27% | 7.64% | 7.83% | +16 bps | |
| Efficiency Ratio | 104.83% | 120.54% | 115.20% | 124.03% | 123.78% | +1,894 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.49% | -5.13% | -4.71% | -11.71% | -16.22% | -873 bps | |
| Loan Growth (YoY) | -6.39% | -3.48% | -10.32% | -19.91% | -23.64% | -1,725 bps | |
| Share Growth (YoY) | -5.57% | -3.29% | -1.20% | -9.38% | -14.81% | -923 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 1.95% | 0.92% | 2.33% | 4.52% | +399 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.73% | 0.09% | 0.10% | 0.10% | -61 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.25% | 5.55% | 4.89% | 4.53% | 4.42% | -183 bps | |
| Net Worth / Assets | 6.25% | 5.55% | 4.89% | 4.53% | 4.42% | -183 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.45% | 78.23% | 70.78% | 70.83% | 70.32% | -813 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |