Ventura, CA · Charter 12394
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, 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.
Ventura, CA · Charter 12394
Q2 2002
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.39% | -0.13% | -0.32% | -3.72% | -439 bps | |
| Return on Equity | n/a | 2.55% | -0.87% | -1.76% | -22.00% | n/a | |
| Net Interest Margin | 4.12% | 4.06% | 3.83% | 4.46% | 3.06% | -106 bps | |
| Efficiency Ratio | 83.94% | 90.56% | 99.24% | 101.37% | 210% | +12,603 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.88% | -11.21% | -26.83% | -36.00% | -24.71% | -2,183 bps | |
| Loan Growth (YoY) | -1.34% | -5.42% | -9.33% | -11.17% | -21.97% | -2,064 bps | |
| Share Growth (YoY) | -1.63% | -12.77% | -30.70% | -41.05% | -27.12% | -2,549 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.09% | 3.17% | 2.89% | 3.06% | 0.99% | -9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 2.07% | 1.37% | 2.82% | 0.25% | -193 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 15.36% | 15.47% | 18.37% | 16.90% | n/a | |
| Net Worth / Assets | n/a | 15.36% | 15.47% | 18.37% | 16.90% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.82% | 60.57% | 59.76% | 69.04% | 55.48% | +366 bps | |
| Liquid Assets / Assets | 53.42% | 47.24% | 48.18% | 42.82% | 52.71% | -71 bps | |