Castro Valley, CA · Charter 15795
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Castro Valley, CA · Charter 15795
Q4 1999
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 1.93% | 2.42% | 0.60% | -5.32% | -709 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 | 4.03% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 116.41% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 3.15% | -1.49% | -5.50% | -3.79% | -12.18% | -1,532 bps | |
| Loan Growth (YoY) | -10.09% | -25.71% | -16.84% | -15.41% | -27.10% | -1,701 bps | |
| Share Growth (YoY) | 1.80% | -2.25% | -7.05% | -2.48% | -7.87% | -968 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.27% | 23.96% | 10.21% | 14.55% | 13.46% | +720 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.24% | 4.13% | 4.00% | 4.21% | 11.22% | +798 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 | 82.75% | 61.94% | 69.74% | 71.77% | 65.48% | -1,727 bps | |
| Liquid Assets / Assets | 18.82% | 18.93% | 20.06% | 21.18% | 23.79% | +497 bps | |