Vacaville, CA · Charter 13621
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Vacaville, CA · Charter 13621
Q1 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | 0.15% | 0.44% | 0.38% | -0.36% | -20 bps | |
| Return on Equity | -1.94% | 1.73% | 4.64% | 4.13% | -3.89% | -195 bps | |
| Net Interest Margin | 4.11% | 4.27% | 4.58% | 4.47% | 4.51% | +40 bps | |
| Efficiency Ratio | 92.12% | 90.85% | 86.70% | 88.58% | 104.33% | +1,221 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.23% | 4.68% | -2.61% | -0.44% | -5.56% | -1,279 bps | |
| Loan Growth (YoY) | -5.68% | -1.64% | 7.38% | 14.95% | 9.02% | +1,471 bps | |
| Share Growth (YoY) | 7.75% | 4.58% | -3.41% | -0.74% | -6.19% | -1,393 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.18% | 0.13% | 0.47% | 1.33% | 1.45% | +127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.28% | 0.33% | 0.35% | 0.27% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.38% | 8.65% | 9.42% | 9.27% | 9.22% | +83 bps | |
| Net Worth / Assets | 8.38% | 8.65% | 9.42% | 9.27% | 9.22% | +83 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.00% | 49.16% | 55.71% | 55.29% | 54.62% | +762 bps | |
| Liquid Assets / Assets | 48.78% | 0.00% | 0.00% | 0.00% | 0.00% | -4,878 bps | |