San Leandro, CA · Charter 9690
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 | 3.85% | 3.48% | 3.65% | 0.44% | 0.62% | -323 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 | 4.29% | 4.38% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 85.19% | 84.00% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -8.72% | 9.05% | 14.52% | 9.92% | 8.83% | +1,756 bps | |
| Loan Growth (YoY) | 22.66% | 17.41% | 8.41% | 9.69% | 24.18% | +152 bps | |
| Share Growth (YoY) | -8.44% | 9.22% | 15.66% | 10.84% | 2.14% | +1,058 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 0.47% | 3.63% | 1.93% | 2.79% | +142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.82% | 0.81% | 1.04% | 1.06% | +12 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 | 88.10% | 76.28% | 74.71% | 90.83% | 107.11% | +1,901 bps | |
| Liquid Assets / Assets | 28.39% | 36.25% | 37.12% | 24.35% | 17.35% | -1,103 bps | |