Sacramento, CA · Charter 95056
Q4 2002
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.81% | 1.57% | 0.97% | 0.87% | 0.78% | -103 bps | |
| Return on Equity | 15.87% | 14.06% | 9.17% | 8.06% | 7.45% | -842 bps | |
| Net Interest Margin | 4.89% | 4.12% | 4.34% | 4.45% | 4.19% | -70 bps | |
| Efficiency Ratio | 64.51% | 64.10% | 76.82% | 79.01% | 79.56% | +1,505 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 26.93% | 27.90% | 25.12% | 31.19% | 26.06% | -87 bps | |
| Loan Growth (YoY) | 19.47% | 6.27% | -1.61% | -6.75% | -8.04% | -2,750 bps | |
| Share Growth (YoY) | 25.23% | 26.13% | 23.47% | 32.03% | 27.48% | +226 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 0.71% | 0.64% | 1.08% | 0.68% | -15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.90% | 1.98% | 1.79% | 1.93% | 1.94% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.41% | 11.13% | 10.63% | 10.81% | 10.49% | -92 bps | |
| Net Worth / Assets | 11.41% | 11.13% | 10.63% | 10.81% | 10.49% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.32% | 59.30% | 54.66% | 55.36% | 50.01% | -1,932 bps | |
| Liquid Assets / Assets | 27.21% | 16.38% | 23.66% | 30.36% | 31.60% | +440 bps | |