Carlsbad, CA · Charter 17595
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Carlsbad, CA · Charter 17595
Q1 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 0.58% | 0.51% | 0.52% | 0.92% | +13 bps | |
| Return on Equity | 8.37% | 6.54% | 5.75% | 5.73% | 9.91% | +154 bps | |
| Net Interest Margin | 3.28% | 2.97% | 3.05% | 3.10% | 3.29% | +1 bps | |
| Efficiency Ratio | 76.72% | 78.58% | 78.95% | 78.52% | 72.64% | -408 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 24.09% | 8.77% | 10.34% | 15.98% | 8.50% | -1,559 bps | |
| Loan Growth (YoY) | 2.17% | -5.38% | 1.70% | -3.68% | -5.00% | -718 bps | |
| Share Growth (YoY) | 25.85% | 8.86% | 10.75% | 17.06% | 8.73% | -1,713 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.38% | 0.11% | 0.61% | 1.09% | +20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.11% | 0.14% | 0.07% | 0.12% | 0.14% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.49% | 8.86% | 8.93% | 9.03% | 9.31% | -17 bps | |
| Net Worth / Assets | 9.49% | 8.86% | 8.93% | 9.03% | 9.31% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.19% | 52.35% | 56.91% | 56.92% | 54.33% | -785 bps | |
| Liquid Assets / Assets | 35.04% | 44.25% | 40.16% | 45.95% | 21.82% | -1,322 bps | |