Vacaville, CA · Charter 7462
Q3 1999
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 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.20% | 4.08% | 4.08% | 4.03% | 0.75% | -345 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.72% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 71.28% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.95% | 12.44% | 10.90% | 9.56% | 8.51% | -144 bps | |
| Loan Growth (YoY) | 11.56% | 9.73% | 8.69% | 4.39% | 3.44% | -812 bps | |
| Share Growth (YoY) | 10.32% | 13.31% | 11.52% | 10.12% | 9.27% | -104 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.73% | 0.69% | 0.56% | 0.57% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.28% | 1.33% | 1.39% | 1.42% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.25% | 67.63% | 65.99% | 66.03% | 67.45% | -380 bps | |
| Liquid Assets / Assets | 17.17% | 20.21% | 24.26% | 13.85% | 14.81% | -236 bps | |