Fullerton, CA · Charter 9291
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.61% | 3.14% | 3.65% | 3.66% | 3.18% | -43 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -9.60% | -7.61% | -13.81% | -12.29% | -17.75% | -816 bps | |
| Loan Growth (YoY) | 73.14% | 11.75% | 36.32% | 7.19% | -19.44% | -9,258 bps | |
| Share Growth (YoY) | -13.57% | -10.71% | -18.68% | -16.13% | -22.71% | -914 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.00% | 1.59% | 2.10% | 1.78% | 4.30% | +231 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 1.16% | 0.52% | 0.53% | 0.66% | -15 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 | 85.40% | 78.22% | 104.09% | 98.55% | 89.01% | +362 bps | |
| Liquid Assets / Assets | 27.32% | 35.16% | 17.82% | 23.25% | 29.96% | +264 bps | |