San Jose, CA · Charter 64820
Q4 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.14% | -0.23% | -0.13% | -0.39% | -0.27% | -13 bps | |
| Return on Equity | -1.73% | -2.81% | -1.62% | -4.92% | -3.49% | -176 bps | |
| Net Interest Margin | 3.01% | 3.00% | 2.92% | 2.94% | 2.93% | -8 bps | |
| Efficiency Ratio | 90.55% | 88.28% | 90.04% | 90.08% | 90.39% | -16 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.70% | 6.44% | 5.78% | 2.90% | 1.15% | -555 bps | |
| Loan Growth (YoY) | -2.09% | -0.77% | 0.07% | 1.21% | 0.57% | +265 bps | |
| Share Growth (YoY) | 7.92% | 7.11% | 6.64% | 3.61% | 1.79% | -613 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 0.91% | 0.74% | 0.72% | 0.38% | -59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.35% | 1.30% | 1.57% | 1.38% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.22% | 8.03% | 8.00% | 7.86% | 7.85% | -37 bps | |
| Net Worth / Assets | 8.22% | 8.03% | 8.00% | 7.86% | 7.85% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.78% | 47.24% | 47.97% | 48.64% | 48.19% | -59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |