El Monte, CA · Charter 22963
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.
El Monte, CA · Charter 22963
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 | 2.80% | -0.55% | -2.60% | -1.57% | -1.28% | -408 bps | |
| Return on Equity | n/a | n/a | n/a | -17.37% | -15.24% | n/a | |
| Net Interest Margin | n/a | 4.92% | 4.95% | 5.19% | 4.49% | n/a | |
| Efficiency Ratio | n/a | 87.15% | 96.79% | 94.20% | 87.63% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.66% | -3.43% | -0.69% | -6.01% | -8.81% | -1,346 bps | |
| Loan Growth (YoY) | -11.94% | -18.25% | -31.70% | -32.32% | -38.83% | -2,690 bps | |
| Share Growth (YoY) | 5.83% | -2.30% | 4.19% | -4.43% | -6.68% | -1,251 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.32% | 2.93% | 1.51% | 1.16% | 0.83% | -149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.09% | 2.09% | 1.35% | 1.61% | +53 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 9.05% | 8.37% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 9.05% | 8.37% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.12% | 62.92% | 51.71% | 50.97% | 42.03% | -2,210 bps | |
| Liquid Assets / Assets | 38.42% | 36.49% | 49.80% | 50.02% | 58.70% | +2,028 bps | |