San Diego, CA · Charter 68345
Q1 2002
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 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.76% | 0.70% | 0.65% | 0.16% | -80 bps | |
| Return on Equity | 10.07% | 8.18% | 7.74% | 7.32% | 1.96% | -811 bps | |
| Net Interest Margin | 3.08% | 2.95% | 2.81% | 2.73% | 2.48% | -61 bps | |
| Efficiency Ratio | 75.93% | 80.15% | 80.44% | 78.09% | 90.07% | +1,414 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 30.26% | 41.22% | 48.57% | 48.65% | 21.85% | -841 bps | |
| Loan Growth (YoY) | 13.76% | 23.23% | 18.40% | 17.73% | 16.38% | +263 bps | |
| Share Growth (YoY) | 32.84% | 45.80% | 54.17% | 54.98% | 23.77% | -907 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.30% | 0.66% | 0.77% | 0.77% | +41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.60% | 0.54% | 0.65% | 0.69% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.61% | 9.32% | 9.05% | 8.90% | 8.33% | -127 bps | |
| Net Worth / Assets | 9.61% | 9.32% | 9.05% | 8.90% | 8.33% | -127 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.50% | 64.98% | 63.89% | 62.75% | 56.89% | -361 bps | |
| Liquid Assets / Assets | 35.69% | 26.09% | 25.39% | 26.26% | 33.57% | -213 bps | |