PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alhambra

Alhambra, CA · Charter 1431

Q2 1997

$5.5MAssets
$4.1MLoans
$4.4MShares
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 3.26%, down 161 bps year over year.
  • Asset quality: problem loans at 5.58% of loans (+436 bps YoY).
  • Funding: loans stand at 92.76% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.26%-161 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.87%4.90%4.39%4.43%3.26%-161 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)n/an/a-5.58%-1.19%1.90%n/a
Loan Growth (YoY)n/an/a16.31%1.80%-6.26%n/a
Share Growth (YoY)n/an/a-10.26%-4.90%0.09%n/a
Asset Quality
Delinquent Loans / Loans1.22%0.69%0.92%4.32%5.58%+436 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.69%0.15%0.67%0.53%1.05%+36 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 / Shares99.04%97.46%98.26%95.32%92.76%-628 bps
Liquid Assets / Assets7.25%8.81%14.18%16.47%18.41%+1,116 bps