Burbank, CA · Charter 97070
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.93% | 0.89% | 0.90% | 0.92% | 0.81% | -11 bps | |
| Return on Equity | 9.36% | 8.81% | 8.78% | 8.41% | 7.30% | -206 bps | |
| Net Interest Margin | 2.94% | 2.97% | 2.95% | 3.06% | 3.03% | +9 bps | |
| Efficiency Ratio | 75.14% | 74.79% | 73.82% | 74.26% | 75.96% | +82 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.77% | 8.05% | 4.44% | -2.55% | -3.83% | -1,360 bps | |
| Loan Growth (YoY) | 21.15% | 23.63% | 39.85% | 27.10% | 17.21% | -394 bps | |
| Share Growth (YoY) | 9.79% | 8.05% | 4.03% | -3.42% | -4.81% | -1,460 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.20% | 0.22% | 0.35% | 0.09% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.54% | 0.50% | 0.47% | 0.43% | -12 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.89% | 10.10% | 10.28% | 10.94% | 11.13% | +123 bps | |
| Net Worth / Assets | 9.89% | 10.10% | 10.28% | 10.94% | 11.13% | +123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.50% | 55.69% | 59.20% | 63.23% | 65.88% | +1,238 bps | |
| Liquid Assets / Assets | 11.04% | 11.87% | 10.03% | 8.30% | 6.60% | -444 bps | |