San Jose, CA · Charter 13860
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
San Jose, CA · Charter 13860
Q2 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.85% | -2.53% | -4.27% | -34.95% | -23.16% | -2,131 bps | |
| Return on Equity | -19.99% | -29.76% | -64.72% | n/a | n/a | n/a | |
| Net Interest Margin | 5.10% | 5.09% | 5.20% | 4.65% | 4.97% | -13 bps | |
| Efficiency Ratio | 87.71% | 90.03% | 90.08% | 114.99% | 102.35% | +1,463 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.72% | -10.50% | -12.55% | -17.45% | -22.29% | -1,557 bps | |
| Loan Growth (YoY) | -6.42% | -11.44% | -6.69% | -11.24% | -14.22% | -780 bps | |
| Share Growth (YoY) | -12.81% | -16.11% | -19.20% | -9.15% | -5.30% | +751 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.12% | 4.32% | 12.27% | 6.20% | 10.80% | +769 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.31% | 3.35% | 7.71% | 9.83% | +871 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.26% | 8.50% | 6.59% | -1.31% | -3.62% | -1,289 bps | |
| Net Worth / Assets | 9.26% | 8.50% | 6.59% | -1.31% | -3.62% | -1,289 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 110.70% | 109.96% | 115.53% | 105.04% | 100.28% | -1,043 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |