Daly City, CA · Charter 13461
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 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.
Daly City, CA · Charter 13461
Q2 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.27% | 0.32% | 0.49% | 0.49% | 0.20% | -306 bps | |
| Return on Equity | n/a | n/a | n/a | 4.15% | 1.80% | n/a | |
| Net Interest Margin | n/a | 3.83% | 4.05% | 4.11% | 3.58% | n/a | |
| Efficiency Ratio | n/a | 89.73% | 85.50% | 86.48% | 94.34% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 7.57% | 2.18% | -0.34% | -4.03% | -3.07% | -1,064 bps | |
| Loan Growth (YoY) | 3.00% | 8.40% | 10.55% | 17.57% | 18.74% | +1,575 bps | |
| Share Growth (YoY) | 6.74% | 0.57% | -2.37% | -5.87% | -4.72% | -1,146 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.35% | 0.43% | 0.05% | 0.00% | 0.15% | -120 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.47% | 0.36% | 0.36% | 0.39% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 11.85% | 11.37% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 11.85% | 11.37% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.77% | 58.44% | 60.43% | 70.05% | 67.01% | +1,324 bps | |
| Liquid Assets / Assets | 49.34% | 44.22% | 44.43% | 36.69% | 39.19% | -1,015 bps | |