Concord, CA · Charter 64154
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.39% | -2.53% | -2.02% | -1.31% | -2.60% | -21 bps | |
| Return on Equity | -41.17% | -46.42% | -36.64% | -27.51% | -78.80% | -3,762 bps | |
| Net Interest Margin | 3.55% | 3.76% | 3.84% | 3.77% | 3.77% | +22 bps | |
| Efficiency Ratio | 82.77% | 85.84% | 86.17% | 89.68% | 96.96% | +1,418 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.29% | -6.33% | -5.19% | -7.56% | -10.71% | -841 bps | |
| Loan Growth (YoY) | -8.41% | -11.25% | -14.40% | -15.78% | -19.84% | -1,143 bps | |
| Share Growth (YoY) | 1.57% | -2.76% | -2.31% | -6.44% | -8.38% | -995 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.22% | 2.61% | 1.30% | 2.20% | 2.92% | +169 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 2.36% | 2.25% | 3.16% | 4.50% | +279 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.80% | 5.44% | 5.51% | 4.76% | 3.30% | -250 bps | |
| Net Worth / Assets | 5.80% | 5.44% | 5.51% | 4.76% | 3.30% | -250 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.88% | 77.68% | 76.77% | 73.02% | 67.26% | -961 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |