Oakland, CA · Charter 64575
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 | -4.16% | -3.82% | -4.95% | 0.09% | -1.29% | +287 bps | |
| Return on Equity | -55.76% | -54.43% | -90.50% | 1.65% | -27.30% | +2,846 bps | |
| Net Interest Margin | 3.48% | 3.60% | 3.80% | 3.94% | 4.03% | +55 bps | |
| Efficiency Ratio | 124.24% | 118.57% | 122.83% | 65.18% | 87.54% | -3,670 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.42% | -8.99% | -11.72% | -14.01% | -15.06% | -564 bps | |
| Loan Growth (YoY) | -11.94% | -11.56% | -12.79% | -14.06% | -17.20% | -527 bps | |
| Share Growth (YoY) | -3.37% | -5.57% | -8.75% | -13.10% | -13.16% | -979 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.49% | 9.82% | 13.90% | 12.14% | 13.73% | +124 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.39% | 9.65% | 10.61% | 11.00% | 9.97% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.46% | 7.01% | 5.47% | 5.47% | 4.73% | -273 bps | |
| Net Worth / Assets | 7.46% | 7.01% | 5.47% | 5.47% | 4.73% | -273 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.61% | 74.47% | 74.60% | 73.45% | 71.14% | -347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |