PackageTrendsPeer
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Monterey

Monterey, CA · Charter 19083

Q3 1999

$117.2MAssets
$85.0MLoans
$103.3MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.04%, down 251 bps year over year; NIM at 5.02%.
  • Asset quality: problem loans at 0.18% of loans (+2 bps YoY).
  • Funding: loans stand at 82.24% of shares as of Q3 1999.

Financial Results

Return on Assets (quarter, annualized)

1.04%-251 bps YoY

Net Interest Margin (quarter, annualized)

5.02%

Efficiency Ratio (quarter, annualized)

78.97%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets3.55%3.46%3.35%3.58%1.04%-251 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.02%n/an/a
Efficiency Ration/an/an/an/a78.97%n/an/a
Growth
Asset Growth (YoY)9.54%11.97%12.06%10.79%9.80%+25 bps
Loan Growth (YoY)22.22%22.36%25.70%21.46%21.97%-25 bps
Share Growth (YoY)9.60%11.75%11.94%12.09%9.74%+13 bps
Asset Quality
Delinquent Loans / Loans0.16%0.20%0.08%0.18%0.18%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.01%0.98%1.02%1.03%0.93%-8 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares73.99%73.72%76.81%78.60%82.24%+825 bps
Liquid Assets / Assets9.74%10.99%9.73%9.42%6.07%-367 bps