Gardena, CA · Charter 17465
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.
Gardena, CA · Charter 17465
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 | 2.20% | 0.76% | 0.77% | 1.15% | -1.08% | -329 bps | |
| Return on Equity | n/a | n/a | n/a | 5.00% | -4.76% | n/a | |
| Net Interest Margin | n/a | 4.00% | 4.37% | 4.86% | 4.35% | n/a | |
| Efficiency Ratio | n/a | 83.30% | 84.32% | 78.78% | 123.05% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 15.67% | 13.39% | 11.20% | 2.15% | -8.08% | -2,374 bps | |
| Loan Growth (YoY) | -48.55% | -17.99% | 6.61% | 12.94% | -2.42% | +4,613 bps | |
| Share Growth (YoY) | 18.09% | 14.99% | 12.07% | 0.20% | -11.34% | -2,943 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.85% | 1.98% | 0.88% | 0.67% | 0.82% | -203 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.17% | 6.54% | 5.77% | 6.92% | 8.48% | -69 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 23.02% | 22.77% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 23.02% | 22.77% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.69% | 25.22% | 27.73% | 25.00% | 20.57% | +188 bps | |
| Liquid Assets / Assets | 78.48% | 67.15% | 73.38% | 80.50% | 83.75% | +527 bps | |