Victorville, CA · Charter 9558
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.95% | -4.31% | -18.88% | -10.70% | -8.49% | -554 bps | |
| Return on Equity | -40.72% | -73.26% | -1427% | -1127% | n/a | n/a | |
| Net Interest Margin | 3.13% | 3.30% | 3.54% | 3.80% | 3.81% | +68 bps | |
| Efficiency Ratio | 103.30% | 103.29% | 264% | 140.43% | 143.56% | +4,026 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.01% | -13.68% | -18.11% | -18.81% | -13.68% | -567 bps | |
| Loan Growth (YoY) | -2.91% | -10.15% | -10.28% | -11.61% | -11.14% | -823 bps | |
| Share Growth (YoY) | -6.36% | -10.77% | -12.80% | -13.92% | -7.77% | -142 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.32% | 9.74% | 7.13% | 6.76% | 5.64% | -68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.96% | 3.10% | 4.85% | 5.04% | 4.91% | +295 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.24% | 5.88% | 1.32% | 0.95% | -0.04% | -729 bps | |
| Net Worth / Assets | 7.24% | 5.88% | 1.32% | 0.95% | -0.04% | -729 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.43% | 81.00% | 77.60% | 79.01% | 75.57% | -286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |