Yosemite, CA · Charter 64713
Q4 2009
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.17% | -8.07% | -2.26% | -1.52% | -1.39% | -122 bps | |
| Return on Equity | -1.12% | -58.72% | -16.55% | -11.15% | -10.01% | -888 bps | |
| Net Interest Margin | 2.94% | 2.93% | 3.09% | 3.05% | 3.31% | +37 bps | |
| Efficiency Ratio | 105.80% | n/a | 140.67% | 124.79% | 123.97% | +1,817 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.28% | -4.85% | 0.61% | 0.39% | 1.11% | +540 bps | |
| Loan Growth (YoY) | -31.70% | -7.62% | 26.65% | 46.45% | -26.61% | +509 bps | |
| Share Growth (YoY) | -5.48% | -3.53% | 2.15% | 2.94% | 4.07% | +955 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.74% | 10.21% | 11.69% | 12.29% | 13.27% | +353 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.41% | 13.74% | 13.67% | 13.62% | 13.93% | -147 bps | |
| Net Worth / Assets | 15.41% | 13.74% | 13.67% | 13.62% | 13.93% | -147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 1.63% | 1.54% | 1.26% | 1.19% | 1.15% | -48 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |