Pomona, CA · Charter 68400
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.72% | -1.81% | -1.64% | -0.44% | -1.20% | +153 bps | |
| Return on Equity | -32.51% | -21.79% | -19.74% | -5.82% | -16.47% | +1,604 bps | |
| Net Interest Margin | 3.32% | 3.22% | 3.21% | 2.65% | 2.56% | -76 bps | |
| Efficiency Ratio | 105.88% | 108.70% | 106.74% | 109.95% | 146.22% | +4,035 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.64% | -4.57% | -3.18% | 3.93% | 3.45% | +1,209 bps | |
| Loan Growth (YoY) | -20.86% | -21.50% | -21.10% | -18.60% | -23.16% | -230 bps | |
| Share Growth (YoY) | 1.21% | -2.88% | -1.65% | 4.74% | 4.41% | +320 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.50% | 5.37% | 2.90% | 3.05% | 0.59% | -491 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.32% | 4.80% | 5.31% | 5.49% | 3.56% | -176 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.38% | 8.32% | 8.28% | 7.61% | 7.27% | -111 bps | |
| Net Worth / Assets | 8.38% | 8.32% | 8.28% | 7.61% | 7.27% | -111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.40% | 48.43% | 47.27% | 41.47% | 37.09% | -1,331 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |