Salinas, CA · Charter 68501
Q1 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.49% | -1.57% | -0.32% | -1.69% | -7.45% | -697 bps | |
| Return on Equity | -4.87% | -16.75% | -3.14% | -17.96% | -103.29% | -9,842 bps | |
| Net Interest Margin | 4.19% | 4.11% | 4.23% | 4.36% | -0.37% | -456 bps | |
| Efficiency Ratio | 92.45% | 95.17% | 95.98% | 101.07% | 608% | +51,532 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.17% | -8.06% | -6.26% | -6.87% | -5.22% | +695 bps | |
| Loan Growth (YoY) | -15.52% | -14.44% | -14.40% | -13.16% | -9.58% | +595 bps | |
| Share Growth (YoY) | -13.51% | -7.68% | -5.94% | -5.94% | -2.54% | +1,098 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.64% | 0.61% | 1.89% | 1.10% | 0.65% | -99 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.01% | 5.51% | 4.36% | 5.06% | 4.69% | -32 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.03% | 9.36% | 10.23% | 9.40% | 7.22% | -281 bps | |
| Net Worth / Assets | 10.03% | 9.36% | 10.23% | 9.40% | 7.22% | -281 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.82% | 54.51% | 55.18% | 57.75% | 54.57% | -425 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |