Lafayette, CA · Charter 8652
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | -0.52% | -0.59% | -0.36% | -0.90% | -91 bps | |
| Return on Equity | 0.01% | -4.63% | -5.17% | -3.20% | -8.60% | -861 bps | |
| Net Interest Margin | 4.23% | 3.71% | 3.71% | 3.68% | 3.68% | -55 bps | |
| Efficiency Ratio | 99.96% | 112.16% | 108.19% | 104.77% | 117.35% | +1,739 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.24% | -0.31% | 0.24% | 0.38% | 3.26% | +550 bps | |
| Loan Growth (YoY) | -3.75% | -6.22% | 11.08% | 9.45% | 17.00% | +2,075 bps | |
| Share Growth (YoY) | -3.44% | -0.37% | 0.32% | 0.15% | 4.38% | +782 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 1.14% | 1.29% | 2.00% | 1.15% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.24% | 1.35% | 1.24% | 0.78% | -71 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.79% | 11.30% | 11.43% | 11.26% | 10.51% | -128 bps | |
| Net Worth / Assets | 11.79% | 11.30% | 11.43% | 11.26% | 10.51% | -128 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.32% | 51.41% | 58.70% | 60.68% | 63.13% | +681 bps | |
| Liquid Assets / Assets | 28.85% | 32.28% | 46.09% | 37.88% | 38.40% | +955 bps | |