Vallejo, CA · Charter 68427
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.94% | -3.13% | -2.78% | -3.25% | -4.59% | -166 bps | |
| Return on Equity | -47.15% | -56.33% | -54.05% | -54.96% | -120.67% | -7,352 bps | |
| Net Interest Margin | 2.92% | 3.03% | 3.05% | 3.84% | 4.06% | +114 bps | |
| Efficiency Ratio | 75.81% | 77.87% | 76.41% | 62.02% | 69.25% | -656 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 56.41% | 50.81% | 22.30% | -25.33% | -31.11% | -8,753 bps | |
| Loan Growth (YoY) | 20.47% | 14.22% | -11.36% | -14.35% | -19.98% | -4,045 bps | |
| Share Growth (YoY) | 27.70% | 27.59% | 1.34% | -3.35% | -9.32% | -3,702 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.28% | 5.01% | 4.74% | 6.71% | 6.59% | +131 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.60% | 3.48% | 4.06% | 5.13% | 8.01% | +541 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.23% | 5.55% | 5.14% | 5.92% | 3.81% | -242 bps | |
| Net Worth / Assets | 6.23% | 5.55% | 5.14% | 5.92% | 3.81% | -242 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.86% | 86.02% | 82.72% | 81.01% | 77.53% | -1,032 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |