Santa Fe Spring, CA · Charter 22763
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.
Santa Fe Spring, CA · Charter 22763
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 | 4.84% | 5.37% | 4.56% | 4.45% | 1.40% | -344 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) | -2.30% | -4.10% | -0.63% | -4.34% | -5.46% | -315 bps | |
| Loan Growth (YoY) | -1.20% | -0.98% | -19.99% | -21.04% | -25.34% | -2,414 bps | |
| Share Growth (YoY) | -7.33% | -10.15% | -5.56% | -9.86% | -10.85% | -352 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 1.59% | 2.99% | 2.87% | 1.81% | +91 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.05% | 1.80% | 1.85% | 1.97% | 2.56% | +51 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 | 73.82% | 77.85% | 64.25% | 62.04% | 61.82% | -1,200 bps | |
| Liquid Assets / Assets | 39.72% | 37.99% | 42.58% | 47.28% | 50.38% | +1,067 bps | |