PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chino Valley

Chino, CA · Charter 13937

Q2 1998

$7.4MAssets
$6.8MLoans
$6.8MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.54%, down 188 bps year over year.
  • Asset quality: problem loans at 4.54% of loans (+285 bps YoY).
  • Funding: loans stand at 99.49% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

0.54%-188 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets2.42%0.75%2.28%2.52%0.54%-188 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)17.68%14.50%32.59%33.19%11.94%-574 bps
Loan Growth (YoY)39.31%54.65%69.34%66.70%41.03%+172 bps
Share Growth (YoY)13.71%15.31%42.84%41.56%19.66%+595 bps
Asset Quality
Delinquent Loans / Loans1.69%1.26%1.74%1.78%4.54%+285 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.37%1.84%1.79%2.15%1.94%+57 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares84.42%109.69%96.73%103.03%99.49%+1,508 bps
Liquid Assets / Assets14.25%4.04%6.41%6.33%6.61%-764 bps