Oxnard, CA · Charter 8981
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.27% | 0.43% | 0.02% | -8.31% | -7.29% | -202 bps | |
| Return on Equity | -85.70% | 7.11% | 0.30% | -892% | n/a | n/a | |
| Net Interest Margin | 4.12% | 3.17% | 3.18% | 3.65% | 3.78% | -33 bps | |
| Efficiency Ratio | 98.23% | 88.89% | 99.31% | 103.73% | 114.10% | +1,587 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.16% | -6.28% | -7.95% | -19.94% | -20.95% | -1,179 bps | |
| Loan Growth (YoY) | -11.84% | -19.54% | -17.78% | -26.03% | -28.03% | -1,619 bps | |
| Share Growth (YoY) | 3.65% | -0.20% | -3.45% | -11.19% | -11.48% | -1,513 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.84% | 4.81% | 8.49% | 0.10% | 2.13% | -271 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.42% | 3.52% | 2.87% | 1.55% | 6.70% | +328 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.15% | 6.06% | 6.21% | 0.93% | -4.91% | -1,106 bps | |
| Net Worth / Assets | 6.15% | 6.06% | 6.21% | 0.93% | -4.91% | -1,106 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.90% | 84.35% | 83.84% | 79.61% | 75.53% | -1,737 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |