Newbury Park, CA · Charter 22797
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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.
Newbury Park, CA · Charter 22797
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.92% | 4.06% | 4.43% | 4.58% | 4.14% | +23 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 | n/a | n/a | -12.17% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 5.11% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -14.28% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.52% | 4.63% | 2.46% | 1.92% | 3.93% | -59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.54% | 5.58% | 3.83% | 3.14% | 4.29% | -125 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 | 67.93% | 73.57% | 81.06% | 83.80% | 83.30% | +1,537 bps | |
| Liquid Assets / Assets | 32.81% | 25.87% | 21.77% | 19.53% | 15.99% | -1,682 bps | |