Glendale, CA · Charter 22163
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Glendale, CA · Charter 22163
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.26% | 0.20% | 0.83% | 0.34% | 0.23% | -203 bps | |
| Return on Equity | n/a | n/a | n/a | 2.21% | 1.66% | n/a | |
| Net Interest Margin | n/a | 3.83% | 4.10% | 4.56% | 3.38% | n/a | |
| Efficiency Ratio | n/a | 87.58% | 76.30% | 77.53% | 93.52% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 9.57% | 0.84% | 4.96% | -0.59% | 0.79% | -878 bps | |
| Loan Growth (YoY) | -21.75% | -10.80% | -5.10% | 14.07% | 2.90% | +2,465 bps | |
| Share Growth (YoY) | 10.24% | 0.76% | 5.24% | -1.43% | -0.22% | -1,046 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.79% | 1.77% | 1.84% | 1.33% | 2.10% | -68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 1.04% | 1.21% | 1.67% | 1.89% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 15.34% | 13.82% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 15.34% | 13.82% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.37% | 55.78% | 54.95% | 61.20% | 49.88% | +151 bps | |
| Liquid Assets / Assets | 25.13% | 24.98% | 24.67% | 46.82% | 55.79% | +3,066 bps | |