Newport Beach, CA · Charter 65158
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.41% | -0.04% | 0.50% | 0.51% | 1.06% | -135 bps | |
| Return on Equity | n/a | n/a | n/a | 8.03% | 14.89% | n/a | |
| Net Interest Margin | n/a | 4.17% | 4.52% | 4.05% | 4.69% | n/a | |
| Efficiency Ratio | n/a | 97.85% | 86.74% | 83.37% | 71.88% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.00% | 3.79% | 13.18% | 24.48% | 21.12% | +2,013 bps | |
| Loan Growth (YoY) | 26.73% | 29.07% | 57.05% | 89.89% | 59.07% | +3,234 bps | |
| Share Growth (YoY) | 0.69% | 3.89% | 13.74% | 14.22% | 22.35% | +2,166 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.27% | 0.23% | 0.44% | 0.75% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.68% | 0.53% | 0.51% | 0.59% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 6.32% | 7.10% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 6.32% | 7.10% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.49% | 62.73% | 72.73% | 91.76% | 78.64% | +1,815 bps | |
| Liquid Assets / Assets | 18.97% | 2.82% | 3.91% | 6.53% | 23.19% | +422 bps | |