Fresno, CA · Charter 63819
Q3 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | -0.32% | -0.96% | -0.40% | -0.28% | +24 bps | |
| Return on Equity | -8.54% | -4.99% | -15.96% | -6.64% | -4.48% | +406 bps | |
| Net Interest Margin | 3.24% | 3.31% | 2.84% | 2.81% | 2.81% | -43 bps | |
| Efficiency Ratio | 94.48% | 91.46% | 86.35% | 85.74% | 89.67% | -481 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.37% | -2.87% | 0.18% | 0.13% | -4.20% | -183 bps | |
| Loan Growth (YoY) | -28.78% | -25.26% | -20.84% | -21.12% | -21.50% | +727 bps | |
| Share Growth (YoY) | -2.86% | -2.65% | 0.88% | 0.34% | -4.34% | -148 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.85% | 3.89% | 3.14% | 1.55% | 1.43% | -142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.60% | 4.69% | 4.81% | 5.02% | 5.41% | +81 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.10% | 6.39% | 6.02% | 6.08% | 6.24% | +14 bps | |
| Net Worth / Assets | 6.10% | 6.39% | 6.02% | 6.08% | 6.24% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.89% | 49.67% | 45.34% | 43.04% | 41.76% | -913 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |