North Highlands, CA · Charter 11961
Q1 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1996, the quarter ended March 31, 1996, 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.
North Highlands, CA · Charter 11961
Q1 1996
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 1995 | Q2 1995 | Q3 1995 | Q4 1995 | Q1 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.10% | 4.27% | 4.35% | 4.48% | 4.73% | +63 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -2.05% | 3.92% | 5.51% | 8.09% | 8.50% | +1,054 bps | |
| Loan Growth (YoY) | 14.17% | 15.62% | 15.99% | 13.79% | 13.53% | -64 bps | |
| Share Growth (YoY) | 1.66% | 4.12% | 4.38% | 7.42% | 6.87% | +521 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.59% | 0.66% | 0.83% | 0.86% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.89% | 0.86% | 0.82% | 0.79% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.33% | 74.32% | 75.09% | 75.60% | 75.77% | +444 bps | |
| Liquid Assets / Assets | 24.46% | 20.85% | 24.14% | 21.30% | 15.57% | -890 bps | |