Valencia, CA · Charter 16058
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Valencia, CA · Charter 16058
Q4 2009
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | -8.78% | -4.17% | -1.87% | -2.52% | -232 bps | |
| Return on Equity | -2.20% | -119.61% | -58.94% | -23.01% | -34.15% | -3,195 bps | |
| Net Interest Margin | 3.54% | 4.00% | 3.82% | 3.89% | 3.91% | +37 bps | |
| Efficiency Ratio | 98.98% | 336% | 153.19% | 131.00% | 109.88% | +1,090 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.16% | -11.72% | -3.21% | -6.00% | -5.68% | +548 bps | |
| Loan Growth (YoY) | 8.66% | 4.36% | -0.08% | -7.91% | -11.35% | -2,000 bps | |
| Share Growth (YoY) | -13.43% | -10.98% | -0.91% | -5.40% | -2.53% | +1,090 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.30% | 1.37% | 1.36% | 3.01% | 5.33% | +302 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.81% | 0.83% | 0.67% | 2.03% | +158 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.35% | 7.34% | 7.07% | 8.11% | 7.39% | -196 bps | |
| Net Worth / Assets | 9.35% | 7.34% | 7.07% | 8.11% | 7.39% | -196 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.30% | 48.61% | 45.23% | 47.04% | 46.66% | -464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |