San Bruno, CA · Charter 16487
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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 Bruno, CA · Charter 16487
Q2 2001
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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.99% | -0.03% | -2.53% | -2.69% | 0.06% | -293 bps | |
| Return on Equity | n/a | n/a | n/a | -16.96% | 0.36% | n/a | |
| Net Interest Margin | n/a | 4.04% | 4.10% | 3.95% | 4.62% | n/a | |
| Efficiency Ratio | n/a | 95.02% | 243% | 162.53% | 96.55% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -11.34% | -13.10% | -13.95% | -11.15% | -12.21% | -87 bps | |
| Loan Growth (YoY) | -31.96% | -31.25% | -16.45% | 1.89% | 10.74% | +4,270 bps | |
| Share Growth (YoY) | -13.88% | -15.83% | -14.77% | -9.81% | -11.70% | +218 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.73% | 2.28% | 2.21% | 0.60% | 0.64% | -108 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 1.19% | 0.77% | 1.15% | 1.10% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 15.89% | 16.15% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 15.89% | 16.15% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.64% | 63.80% | 71.60% | 78.82% | 77.31% | +1,566 bps | |
| Liquid Assets / Assets | 23.25% | 8.04% | 11.69% | 9.79% | 22.59% | -66 bps | |