Castro Valley, CA · Charter 15829
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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 15829
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.51% | -0.41% | -1.81% | -15.23% | -7.53% | -702 bps | |
| Return on Equity | -4.87% | -4.07% | -21.56% | -351% | -179.45% | -17,459 bps | |
| Net Interest Margin | 3.59% | 3.21% | 2.98% | 2.80% | 2.63% | -96 bps | |
| Efficiency Ratio | 101.00% | 97.12% | 107.11% | 134.83% | 119.80% | +1,880 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.59% | 7.82% | 6.12% | 4.98% | 9.31% | +72 bps | |
| Loan Growth (YoY) | -7.92% | -11.08% | -8.04% | -9.52% | -5.46% | +247 bps | |
| Share Growth (YoY) | 10.54% | 8.48% | 7.76% | 11.46% | 16.78% | +624 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.00% | 9.50% | 5.62% | 1.97% | 0.19% | -980 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.35% | 1.01% | 9.46% | 7.95% | +703 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.43% | 9.98% | 8.38% | 4.34% | 4.20% | -623 bps | |
| Net Worth / Assets | 10.43% | 9.98% | 8.38% | 4.34% | 4.20% | -623 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.70% | 34.03% | 33.32% | 30.84% | 30.52% | -718 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |