San Rafael, CA · Charter 64659
Q1 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.66% | -0.81% | -1.27% | -1.73% | -16.98% | -1,632 bps | |
| Return on Equity | -4.90% | -6.00% | -9.43% | -13.16% | -175.45% | -17,054 bps | |
| Net Interest Margin | 3.09% | 3.17% | 3.07% | 3.09% | 2.98% | -11 bps | |
| Efficiency Ratio | 112.53% | 107.91% | 116.25% | 124.59% | 497% | +38,463 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.39% | 3.38% | -1.87% | -4.73% | -12.86% | -1,825 bps | |
| Loan Growth (YoY) | -8.28% | -10.86% | -15.85% | -21.48% | -29.43% | -2,115 bps | |
| Share Growth (YoY) | 6.82% | 4.73% | -0.98% | -3.62% | -8.87% | -1,569 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.70% | 5.20% | 5.90% | 6.00% | 1.75% | -695 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.84% | 0.38% | 1.59% | 0.00% | -83 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.56% | 13.54% | 13.49% | 13.16% | 9.68% | -388 bps | |
| Net Worth / Assets | 13.56% | 13.54% | 13.49% | 13.16% | 9.68% | -388 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.91% | 40.46% | 38.10% | 36.17% | 30.90% | -900 bps | |
| Liquid Assets / Assets | 43.42% | 63.40% | 40.00% | 48.55% | 50.36% | +694 bps | |