PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Conejo Valley Sda

Newbury Park, CA · Charter 22797

Q2 1996

$1.7MAssets
$1.3MLoans
$1.6MShares
n/aNet 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 4.14%, up 23 bps year over year.
  • Asset quality: problem loans at 3.93% of loans (-59 bps YoY).
  • Funding: loans stand at 83.30% of shares as of Q2 1996.

Financial Results

Return on Assets (YTD, annualized)

4.14%+23 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.92%4.06%4.43%4.58%4.14%+23 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-12.17%n/an/a
Loan Growth (YoY)n/an/an/an/a5.11%n/an/a
Share Growth (YoY)n/an/an/an/a-14.28%n/an/a
Asset Quality
Delinquent Loans / Loans4.52%4.63%2.46%1.92%3.93%-59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.54%5.58%3.83%3.14%4.29%-125 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares67.93%73.57%81.06%83.80%83.30%+1,537 bps
Liquid Assets / Assets32.81%25.87%21.77%19.53%15.99%-1,682 bps