Hayward, CA · Charter 17585
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Hayward, CA · Charter 17585
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | 0.46% | 0.70% | 0.85% | -0.15% | -8 bps | |
| Return on Equity | n/a | n/a | 3.60% | 4.34% | -0.77% | n/a | |
| Net Interest Margin | 3.56% | 4.09% | 4.16% | 4.27% | 3.80% | +24 bps | |
| Efficiency Ratio | 92.90% | 85.67% | 77.57% | 78.50% | 101.56% | +866 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.11% | -3.39% | 0.23% | 0.26% | 3.35% | +946 bps | |
| Loan Growth (YoY) | -25.98% | -18.23% | -2.20% | 2.22% | -13.60% | +1,237 bps | |
| Share Growth (YoY) | -7.13% | -4.62% | -4.12% | -0.65% | 2.85% | +997 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.29% | 0.14% | 0.22% | 0.05% | -82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.28% | 0.55% | 0.62% | 0.85% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 19.44% | 19.62% | 19.72% | n/a | |
| Net Worth / Assets | n/a | n/a | 19.44% | 19.62% | 19.72% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.91% | 54.63% | 65.39% | 59.13% | 50.33% | -958 bps | |
| Liquid Assets / Assets | 46.11% | 42.56% | 48.20% | 51.06% | 58.39% | +1,229 bps | |