PackageTrendsPeer
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Sagrado Corazon

San Jose, CA · Charter 19408

Q2 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sagrado Corazon

San Jose, CA · Charter 19408

Q2 2004

$81KAssets
$22KLoans
$49KShares
$32KNet 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 -0.18%, up 857 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 34.43% of loans (+527 bps YoY).
  • Capital: net worth / assets of 39.84%, up 876 bps from a year ago.
  • Funding: loans stand at 44.89% of shares as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

-0.18%+857 bps YoY

Net Interest Margin (YTD, annualized)

4.51%-208 bps YoY

Efficiency Ratio (YTD, annualized)

102.83%-2,828 bps YoY

Net Worth / Assets

39.84%+876 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets-8.75%-7.19%-5.95%-0.91%-0.18%+857 bps
Return on Equity-28.16%-20.26%-16.16%-2.36%-0.45%+2,771 bps
Net Interest Margin6.60%7.26%6.99%5.49%4.51%-208 bps
Efficiency Ratio131.11%129.03%128.03%116.64%102.83%-2,828 bps
Growth
Asset Growth (YoY)-51.67%-55.31%-55.36%-54.48%-24.59%+2,708 bps
Loan Growth (YoY)-50.30%-55.01%-57.70%-64.92%-60.67%-1,037 bps
Share Growth (YoY)-59.28%-64.21%-65.13%-65.15%-34.12%+2,515 bps
Asset Quality
Delinquent Loans / Loans29.16%17.36%9.71%17.07%34.43%+527 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.65%4.60%5.48%7.41%10.04%+639 bps
Capital
Risk-Based Capital31.08%35.48%36.83%38.65%39.84%+876 bps
Net Worth / Assets31.08%35.48%36.83%38.65%39.84%+876 bps
Liquidity & Funding
Loans / Shares75.20%73.52%65.91%54.13%44.89%-3,031 bps
Liquid Assets / Assets47.50%52.13%58.47%68.67%74.60%+2,710 bps