South Gate, CA · Charter 64560
Q3 2005
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.36% | 0.06% | 0.21% | 0.08% | -30 bps | |
| Return on Equity | 2.50% | 2.04% | 0.33% | 1.17% | 0.43% | -208 bps | |
| Net Interest Margin | 3.09% | 3.58% | 3.53% | 3.75% | 3.96% | +86 bps | |
| Efficiency Ratio | 93.28% | 93.09% | 95.76% | 93.32% | 97.22% | +393 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.33% | -9.67% | -12.10% | -14.53% | -18.82% | -1,249 bps | |
| Loan Growth (YoY) | 0.73% | -5.61% | -16.66% | -11.65% | -5.37% | -610 bps | |
| Share Growth (YoY) | -7.71% | -11.80% | -14.56% | -17.38% | -22.33% | -1,461 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.32% | 1.07% | 0.00% | 0.36% | -43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.46% | 0.49% | 0.47% | 0.50% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.28% | 17.42% | 17.89% | 18.18% | 18.91% | +363 bps | |
| Net Worth / Assets | 15.28% | 17.42% | 17.89% | 18.18% | 18.91% | +363 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.09% | 56.99% | 54.18% | 56.65% | 63.47% | +1,137 bps | |
| Liquid Assets / Assets | 53.65% | 50.52% | 53.04% | 51.68% | 46.56% | -709 bps | |