Alhambra, CA · Charter 1431
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Alhambra, CA · Charter 1431
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.87% | 4.90% | 4.39% | 4.43% | 3.26% | -161 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | -5.58% | -1.19% | 1.90% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 16.31% | 1.80% | -6.26% | n/a | |
| Share Growth (YoY) | n/a | n/a | -10.26% | -4.90% | 0.09% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.22% | 0.69% | 0.92% | 4.32% | 5.58% | +436 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.15% | 0.67% | 0.53% | 1.05% | +36 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.04% | 97.46% | 98.26% | 95.32% | 92.76% | -628 bps | |
| Liquid Assets / Assets | 7.25% | 8.81% | 14.18% | 16.47% | 18.41% | +1,116 bps | |