Chatsworth, CA · Charter 16544
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Chatsworth, CA · Charter 16544
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.47% | -0.35% | -0.41% | 2.76% | 1.81% | +328 bps | |
| Return on Equity | -9.67% | -2.23% | -2.61% | 16.66% | 10.15% | +1,982 bps | |
| Net Interest Margin | 2.25% | 2.74% | 2.52% | 3.10% | 3.08% | +83 bps | |
| Efficiency Ratio | 86.98% | 65.71% | 71.43% | 15.76% | 20.13% | -6,685 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.49% | -4.54% | -4.20% | -4.58% | -8.83% | -434 bps | |
| Loan Growth (YoY) | -21.35% | -26.35% | -24.31% | -19.74% | -13.55% | +780 bps | |
| Share Growth (YoY) | -4.48% | -4.85% | -4.44% | -5.03% | -11.65% | -717 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.51% | 5.61% | 2.80% | 3.67% | 4.16% | -235 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.80% | 2.01% | 1.64% | 1.66% | 1.93% | -87 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.20% | 15.84% | 15.66% | 16.58% | 17.81% | +261 bps | |
| Net Worth / Assets | 15.20% | 15.84% | 15.66% | 16.58% | 17.81% | +261 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.85% | 36.66% | 35.58% | 35.48% | 36.05% | -80 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |