San Francisco, CA · Charter 97082
Q4 2007
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.20% | 0.43% | 0.50% | 0.36% | 0.20% | +40 bps | |
| Return on Equity | -2.07% | 4.53% | 5.17% | 3.58% | 1.98% | +405 bps | |
| Net Interest Margin | 2.43% | 1.80% | 1.84% | 1.95% | 1.95% | -47 bps | |
| Efficiency Ratio | 85.09% | 60.68% | 59.90% | 59.68% | 60.62% | -2,446 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.79% | 9.11% | 11.12% | 4.71% | 2.14% | -765 bps | |
| Loan Growth (YoY) | 6.71% | 3.91% | -0.05% | 0.88% | 4.11% | -261 bps | |
| Share Growth (YoY) | 12.61% | 11.75% | 15.64% | 8.09% | 2.69% | -992 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 0.68% | 0.85% | 0.93% | 1.20% | +52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.75% | 0.74% | 0.82% | 0.96% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.87% | 9.58% | 9.59% | 10.00% | 9.85% | -1 bps | |
| Net Worth / Assets | 9.87% | 9.58% | 9.59% | 10.00% | 9.85% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.20% | 73.28% | 73.37% | 79.38% | 78.27% | +107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |