San Jose, CA · Charter 14338
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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 14338
Q4 1998
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 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.54% | 4.39% | 4.47% | 4.54% | 4.41% | -13 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) | 10.74% | 11.46% | 12.41% | 10.89% | 13.26% | +253 bps | |
| Loan Growth (YoY) | 19.02% | 17.09% | 10.24% | 6.73% | 5.04% | -1,399 bps | |
| Share Growth (YoY) | 10.00% | 10.95% | 11.64% | 10.30% | 13.29% | +329 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.37% | 0.39% | 0.37% | 0.37% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.24% | 1.14% | 1.06% | 0.97% | -23 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 | 82.77% | 76.57% | 77.54% | 78.40% | 76.74% | -603 bps | |
| Liquid Assets / Assets | 10.08% | 16.48% | 12.23% | 12.93% | 18.69% | +861 bps | |