San Mateo, CA · Charter 68554
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.22% | -1.31% | -1.57% | -11.30% | -7.68% | -646 bps | |
| Return on Equity | -12.28% | -13.08% | -16.34% | -152.07% | -120.80% | -10,852 bps | |
| Net Interest Margin | 2.84% | 2.97% | 2.95% | 2.74% | 2.97% | +13 bps | |
| Efficiency Ratio | 119.13% | 117.31% | 121.42% | 223% | 193.80% | +7,466 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.02% | -8.47% | -7.85% | -6.20% | -3.56% | +146 bps | |
| Loan Growth (YoY) | -3.19% | -2.03% | -1.94% | -3.19% | -7.98% | -480 bps | |
| Share Growth (YoY) | -4.67% | -8.11% | -7.36% | -4.08% | -0.22% | +445 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.55% | 1.89% | 2.41% | 2.86% | 4.32% | +277 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.61% | 0.78% | 1.57% | 2.19% | +167 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.93% | 10.00% | 9.61% | 7.43% | 6.36% | -357 bps | |
| Net Worth / Assets | 9.93% | 10.00% | 9.61% | 7.43% | 6.36% | -357 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.45% | 91.31% | 91.44% | 85.48% | 80.65% | -680 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |