PackageTrendsPeer
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Telesis

Chatsworth, CA · Charter 16665

Q1 1999

$196.9MAssets
$136.2MLoans
$178.7MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.15%, down 36 bps year over year.
  • Asset quality: problem loans at 0.49% of loans (-11 bps YoY).
  • Funding: loans stand at 76.24% of shares as of Q1 1999.

Financial Results

Return on Assets (YTD, annualized)

4.15%-36 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets4.51%4.40%4.40%4.31%4.15%-36 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)11.15%14.45%13.51%15.99%14.79%+364 bps
Loan Growth (YoY)13.11%9.53%9.54%18.71%19.53%+642 bps
Share Growth (YoY)11.50%15.34%14.41%16.90%15.77%+426 bps
Asset Quality
Delinquent Loans / Loans0.60%0.55%0.58%0.50%0.49%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.53%0.59%0.59%0.56%0.55%+2 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares73.84%70.99%72.09%75.42%76.24%+240 bps
Liquid Assets / Assets24.58%29.95%29.56%26.50%21.09%-349 bps