Sepulveda, CA · Charter 10558
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sepulveda, CA · Charter 10558
Q2 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.53% | 0.57% | 0.49% | 0.49% | +7 bps | |
| Return on Equity | 3.85% | 4.55% | 4.61% | 4.12% | 3.94% | +9 bps | |
| Net Interest Margin | 2.57% | 2.74% | 2.83% | 2.42% | 2.49% | -8 bps | |
| Efficiency Ratio | 86.13% | 83.67% | 84.12% | 84.80% | 85.17% | -96 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.71% | -5.14% | -11.10% | -2.66% | -7.12% | -241 bps | |
| Loan Growth (YoY) | -1.88% | -10.91% | -4.25% | -5.39% | -11.01% | -913 bps | |
| Share Growth (YoY) | -3.53% | -6.02% | -13.02% | -3.45% | -8.41% | -488 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.96% | 3.21% | 2.61% | 2.43% | +190 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.98% | 2.02% | 1.71% | 1.73% | 1.27% | -71 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.94% | 11.68% | 12.41% | 11.99% | 12.35% | +141 bps | |
| Net Worth / Assets | 10.94% | 11.68% | 12.41% | 11.99% | 12.35% | +141 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 21.64% | 21.92% | 23.49% | 21.81% | 21.03% | -61 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |