San Francisco, CA · Charter 68462
Q1 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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.08% | -2.58% | -2.69% | -2.18% | -0.33% | +376 bps | |
| Return on Equity | -36.02% | -21.95% | -21.80% | -17.62% | -2.51% | +3,351 bps | |
| Net Interest Margin | -0.97% | 0.57% | 1.17% | 1.45% | 2.21% | +318 bps | |
| Efficiency Ratio | n/a | 404% | 281% | 220% | 108.51% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.01% | -7.57% | -15.74% | -16.59% | -19.57% | -2,158 bps | |
| Loan Growth (YoY) | 16.55% | 0.35% | -5.26% | -7.99% | -9.55% | -2,610 bps | |
| Share Growth (YoY) | -5.18% | -8.65% | -9.01% | -12.85% | -12.29% | -711 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.01% | 1.00% | 0.70% | 1.29% | +127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.27% | 0.27% | 0.29% | 0.07% | -17 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.33% | 11.74% | 12.33% | 12.40% | 12.98% | +164 bps | |
| Net Worth / Assets | 11.33% | 11.74% | 12.33% | 12.40% | 12.98% | +164 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.10% | 84.62% | 84.88% | 83.77% | 85.70% | +260 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |