Ventura, CA · Charter 6580
Q3 2000
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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.27% | 1.33% | 1.10% | 1.32% | 1.47% | +20 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 4.50% | 4.56% | 4.44% | 4.55% | 4.67% | +18 bps | |
| Efficiency Ratio | 66.31% | 66.37% | 70.92% | 68.47% | 67.05% | +74 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.98% | 7.65% | 12.15% | 11.47% | 7.03% | -795 bps | |
| Loan Growth (YoY) | 11.32% | 11.48% | 17.73% | 14.05% | 10.22% | -110 bps | |
| Share Growth (YoY) | 14.91% | 6.70% | 11.49% | 10.65% | 6.03% | -888 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.35% | 0.66% | 0.44% | 0.45% | 0.31% | -204 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.91% | 0.90% | 0.86% | 0.86% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.96% | 77.19% | 74.19% | 78.69% | 80.00% | +304 bps | |
| Liquid Assets / Assets | 7.85% | 2.26% | 10.28% | 10.02% | 10.13% | +228 bps | |