Whittier, CA · Charter 15865
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 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.
Whittier, CA · Charter 15865
Q4 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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.03% | -0.02% | 0.25% | -0.41% | -1.03% | +200 bps | |
| Return on Equity | -51.83% | -0.37% | 5.06% | -9.34% | -27.86% | +2,397 bps | |
| Net Interest Margin | 3.47% | 3.29% | 3.53% | 3.46% | 3.41% | -7 bps | |
| Efficiency Ratio | 108.67% | 94.79% | 90.89% | 106.04% | 116.08% | +741 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.05% | 4.88% | -1.39% | -1.46% | 2.48% | +253 bps | |
| Loan Growth (YoY) | -9.04% | -16.04% | -17.61% | -16.07% | -13.83% | -478 bps | |
| Share Growth (YoY) | 2.86% | 9.73% | 2.16% | 1.56% | 4.96% | +210 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.88% | 6.43% | 2.37% | 2.55% | 2.62% | -326 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.22% | 5.22% | 1.15% | 1.21% | 1.62% | -160 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.86% | 4.61% | 4.90% | 4.38% | 3.71% | -215 bps | |
| Net Worth / Assets | 5.86% | 4.61% | 4.90% | 4.38% | 3.71% | -215 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.55% | 46.68% | 46.13% | 44.16% | 44.79% | -976 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |