Ventura, CA · Charter 23923
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Ventura, CA · Charter 23923
Q4 2000
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.39% | 0.06% | 0.99% | 0.66% | -31 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.30% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 8.87% | 7.19% | 8.31% | n/a | |
| Efficiency Ratio | n/a | n/a | 87.48% | 85.33% | 89.28% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.82% | -6.69% | -7.58% | -0.31% | -2.74% | +207 bps | |
| Loan Growth (YoY) | -12.68% | -8.94% | -0.80% | 1.82% | -3.69% | +899 bps | |
| Share Growth (YoY) | -0.70% | -6.94% | -8.60% | -3.79% | -3.79% | -309 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.70% | 3.97% | 3.89% | 2.45% | 2.21% | -350 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.74% | 3.05% | 3.48% | 2.42% | 2.11% | -63 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.53% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.53% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.78% | 84.26% | 111.00% | 88.77% | 96.87% | +10 bps | |
| Liquid Assets / Assets | 6.71% | 19.08% | 0.99% | 18.35% | 15.67% | +896 bps | |