PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arco

Los Angeles, CA · Charter 1437

Q3 1999

$82.5MAssets
$46.8MLoans
$71.3MShares
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 0.33%, down 404 bps year over year; NIM at 2.98%.
  • Asset quality: problem loans at 0.22% of loans (-62 bps YoY).
  • Funding: loans stand at 65.68% of shares as of Q3 1999.

Financial Results

Return on Assets (quarter, annualized)

0.33%-404 bps YoY

Net Interest Margin (quarter, annualized)

2.98%

Efficiency Ratio (quarter, annualized)

90.25%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets4.36%4.28%3.94%3.94%0.33%-404 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a2.98%n/an/a
Efficiency Ration/an/an/an/a90.25%n/an/a
Growth
Asset Growth (YoY)1.68%3.84%5.24%3.99%3.26%+158 bps
Loan Growth (YoY)-2.10%4.18%13.53%24.20%21.18%+2,327 bps
Share Growth (YoY)1.12%3.21%4.86%3.52%3.11%+199 bps
Asset Quality
Delinquent Loans / Loans0.84%0.16%0.23%0.25%0.22%-62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.83%0.82%0.71%0.59%0.56%-28 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 / Shares55.89%56.20%56.84%61.06%65.68%+979 bps
Liquid Assets / Assets15.39%20.41%21.04%21.18%19.57%+418 bps