San Gabriel, CA · Charter 17662
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
San Gabriel, CA · Charter 17662
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.83% | 4.24% | 4.34% | 3.87% | 2.68% | -116 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 14.22% | 25.65% | -8.72% | 6.28% | -6.67% | -2,089 bps | |
| Loan Growth (YoY) | 8.60% | 39.54% | 40.68% | 25.62% | -12.61% | -2,121 bps | |
| Share Growth (YoY) | 13.71% | 25.95% | -11.93% | 4.53% | -9.37% | -2,308 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.10% | 3.11% | 1.76% | 2.71% | 0.00% | -110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.82% | 1.50% | 1.60% | 2.29% | 0.33% | -149 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.42% | 63.74% | 68.71% | 57.97% | 44.76% | -166 bps | |
| Liquid Assets / Assets | 53.30% | 33.05% | 38.70% | 40.16% | 44.50% | -879 bps | |