Hacienda Height, CA · Charter 11901
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Hacienda Height, CA · Charter 11901
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.33% | 0.09% | 0.20% | -0.09% | -47 bps | |
| Return on Equity | 1.62% | 1.40% | 0.41% | 0.82% | -0.38% | -200 bps | |
| Net Interest Margin | 3.70% | 3.66% | 3.26% | 3.45% | 3.53% | -17 bps | |
| Efficiency Ratio | 89.03% | 90.38% | 97.27% | 94.56% | 102.40% | +1,337 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.39% | -2.09% | -6.86% | -5.67% | -8.31% | -492 bps | |
| Loan Growth (YoY) | -22.90% | -28.17% | -18.36% | -22.77% | -23.12% | -22 bps | |
| Share Growth (YoY) | -4.76% | -2.91% | -8.94% | -7.54% | -10.74% | -598 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.56% | 5.97% | 4.75% | 5.04% | 5.29% | -27 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.98% | 3.82% | 3.80% | 4.15% | 1.14% | -284 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.96% | 23.43% | 23.35% | 24.24% | 25.01% | +206 bps | |
| Net Worth / Assets | 22.96% | 23.43% | 23.35% | 24.24% | 25.01% | +206 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.98% | 55.91% | 55.83% | 53.82% | 52.52% | -846 bps | |
| Liquid Assets / Assets | 51.72% | 55.66% | 55.70% | 41.07% | 58.40% | +668 bps | |