Sacramento, CA · Charter 17199
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Sacramento, CA · Charter 17199
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.22% | 0.19% | 0.14% | -0.43% | -50 bps | |
| Return on Equity | 0.56% | 1.61% | 1.45% | 1.12% | -3.75% | -431 bps | |
| Net Interest Margin | 2.37% | 2.39% | 2.35% | 2.35% | 2.38% | +1 bps | |
| Efficiency Ratio | 97.91% | 93.95% | 94.56% | 96.09% | 112.85% | +1,494 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.03% | 4.05% | 2.99% | 9.75% | 4.76% | -27 bps | |
| Loan Growth (YoY) | 0.22% | -10.96% | -13.04% | -16.03% | -7.74% | -796 bps | |
| Share Growth (YoY) | 6.23% | 4.91% | 3.36% | 10.96% | 6.93% | +69 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 0.99% | 0.58% | 0.35% | 0.39% | -43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.88% | 0.63% | 0.39% | 0.37% | -43 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.10% | 13.39% | 12.94% | 12.74% | 11.45% | -165 bps | |
| Net Worth / Assets | 13.10% | 13.39% | 12.94% | 12.74% | 11.45% | -165 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.14% | 24.19% | 22.39% | 21.37% | 22.55% | -359 bps | |
| Liquid Assets / Assets | 47.79% | 42.88% | 45.98% | 63.32% | 54.44% | +665 bps | |