Valencia, CA · Charter 21236
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Valencia, CA · Charter 21236
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.09% | 3.98% | 1.69% | 2.69% | 3.62% | +53 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) | n/a | n/a | 9.84% | 15.42% | 10.35% | n/a | |
| Loan Growth (YoY) | n/a | n/a | 9.57% | -4.76% | -14.88% | n/a | |
| Share Growth (YoY) | n/a | n/a | 2.94% | 24.19% | 11.07% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.63% | 2.31% | 4.35% | 1.49% | 3.18% | +155 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 0.62% | 1.11% | 0.83% | 0.69% | -17 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 | 80.41% | 82.04% | 77.67% | 69.55% | 61.62% | -1,879 bps | |
| Liquid Assets / Assets | 11.65% | 6.97% | 1.09% | 1.79% | 6.01% | -565 bps | |