San Jose, CA · Charter 68035
Q2 2008
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.23% | 0.93% | 0.05% | 0.04% | -112 bps | |
| Return on Equity | 3.50% | 3.58% | 2.73% | 0.13% | 0.13% | -337 bps | |
| Net Interest Margin | 4.02% | 4.07% | 3.98% | 3.25% | 3.01% | -101 bps | |
| Efficiency Ratio | 76.58% | 72.22% | 79.31% | 86.06% | 87.86% | +1,128 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.43% | -9.73% | -6.28% | -4.98% | -1.07% | +536 bps | |
| Loan Growth (YoY) | 14.94% | 6.19% | 6.05% | -2.04% | -12.28% | -2,722 bps | |
| Share Growth (YoY) | -11.85% | -16.84% | -11.59% | -9.00% | -2.51% | +934 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.19% | 7.08% | 8.67% | 10.09% | 10.58% | +539 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.21% | 0.22% | 0.22% | 0.69% | 1.07% | +86 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.35% | 34.29% | 34.15% | 34.30% | 34.08% | +72 bps | |
| Net Worth / Assets | 33.35% | 34.29% | 34.15% | 34.30% | 34.08% | +72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.50% | 40.26% | 39.49% | 38.16% | 36.44% | -406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |