San Leandro, CA · Charter 15870
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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 Leandro, CA · Charter 15870
Q4 1996
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.14% | 2.05% | 1.37% | 0.41% | 0.81% | -133 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) | n/a | n/a | n/a | -10.89% | -19.80% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -24.87% | -31.18% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -11.94% | -25.00% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 5.27% | 6.73% | 1.92% | 4.43% | +398 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 2.10% | 2.49% | 2.18% | 2.39% | +83 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 | 61.31% | 55.99% | 53.57% | 53.09% | 56.27% | -505 bps | |
| Liquid Assets / Assets | 24.70% | 41.11% | 42.86% | 40.04% | 39.93% | +1,523 bps | |