Modesto, CA · Charter 65506
Q1 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.29% | -3.74% | -4.48% | -0.20% | -79 bps | |
| Return on Equity | 6.52% | 3.10% | -52.57% | -68.85% | -4.42% | -1,094 bps | |
| Net Interest Margin | 4.85% | 5.16% | 5.55% | 6.13% | 5.81% | +97 bps | |
| Efficiency Ratio | 84.94% | 85.79% | 86.61% | 83.65% | 77.82% | -712 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.86% | -2.69% | -10.53% | -12.17% | -13.73% | -987 bps | |
| Loan Growth (YoY) | -8.64% | -9.99% | -13.59% | -8.51% | -12.94% | -430 bps | |
| Share Growth (YoY) | -0.67% | 1.24% | -6.86% | -12.29% | -9.60% | -893 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.47% | 4.28% | 2.82% | 2.84% | 2.83% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 1.66% | 3.07% | 4.18% | 4.22% | +268 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.10% | 9.52% | 7.12% | 6.51% | 4.52% | -458 bps | |
| Net Worth / Assets | 9.10% | 9.52% | 7.12% | 6.51% | 4.52% | -458 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.76% | 88.80% | 86.63% | 93.85% | 84.51% | -325 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |