Oakland, CA · Charter 8906
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.54% | 3.35% | 2.87% | 0.10% | 0.78% | -276 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 | 4.66% | 5.16% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 93.23% | 85.79% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.40% | 9.82% | 5.48% | 0.12% | 1.80% | +220 bps | |
| Loan Growth (YoY) | -7.09% | -3.21% | 5.82% | 14.48% | 25.45% | +3,253 bps | |
| Share Growth (YoY) | -1.30% | 9.64% | 5.38% | -0.33% | 1.17% | +247 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.67% | 0.46% | 0.38% | 0.61% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.26% | 1.10% | 1.01% | 0.88% | -40 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 | 70.97% | 69.44% | 75.97% | 88.31% | 88.00% | +1,703 bps | |
| Liquid Assets / Assets | 34.72% | 36.20% | 30.16% | 15.92% | 12.61% | -2,211 bps | |