Riverside, CA · Charter 64363
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | -0.40% | 0.04% | -0.73% | -3.28% | -251 bps | |
| Return on Equity | -9.58% | -4.79% | 0.50% | -8.62% | -44.80% | -3,522 bps | |
| Net Interest Margin | 4.57% | 4.47% | 4.55% | 4.70% | 4.03% | -55 bps | |
| Efficiency Ratio | 95.99% | 93.46% | 88.74% | 96.97% | 164.74% | +6,875 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.08% | -4.31% | -7.62% | -7.53% | -6.48% | -440 bps | |
| Loan Growth (YoY) | -1.17% | -2.97% | -4.64% | -5.75% | -5.57% | -440 bps | |
| Share Growth (YoY) | -0.75% | -3.08% | -7.10% | -6.41% | -6.38% | -564 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.03% | 0.49% | 0.95% | 1.82% | +168 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.26% | 0.28% | 0.63% | 0.63% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.08% | 8.45% | 8.91% | 8.50% | 7.32% | -75 bps | |
| Net Worth / Assets | 8.08% | 8.45% | 8.91% | 8.50% | 7.32% | -75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.83% | 70.68% | 73.22% | 74.07% | 68.42% | +59 bps | |
| Liquid Assets / Assets | 20.54% | 0.00% | 99.11% | 0.00% | 97.84% | +7,730 bps | |