Sacramento, CA · Charter 1180
Q1 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2001, the quarter ended March 31, 2001, 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.
Sacramento, CA · Charter 1180
Q1 2001
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 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.78% | 1.49% | 1.38% | 1.29% | 1.75% | -2 bps | |
| Return on Equity | n/a | n/a | n/a | 11.51% | 15.84% | n/a | |
| Net Interest Margin | 4.02% | 4.04% | 3.93% | 3.75% | 3.53% | -49 bps | |
| Efficiency Ratio | 64.74% | 66.72% | 67.90% | 68.18% | 70.34% | +560 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.59% | 8.02% | 8.69% | 11.22% | 15.64% | +705 bps | |
| Loan Growth (YoY) | 5.60% | 5.07% | 4.61% | 4.36% | 5.52% | -8 bps | |
| Share Growth (YoY) | 7.86% | 7.08% | 7.89% | 10.94% | 15.92% | +806 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.07% | 0.15% | 0.09% | 0.05% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.82% | 0.80% | 0.80% | 0.00% | -80 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 11.18% | 11.07% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 11.18% | 11.07% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.00% | 94.50% | 92.07% | 88.22% | 84.65% | -834 bps | |
| Liquid Assets / Assets | 11.25% | 9.79% | 13.30% | 15.33% | 16.88% | +564 bps | |