PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Orange County

Santa Ana, CA · Charter 23936

Q3 1999

$401.9MAssets
$255.2MLoans
$333.3MShares
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 1.22%, down 315 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.18% of loans (-87 bps YoY).
  • Funding: loans stand at 76.55% of shares as of Q3 1999.

Financial Results

Return on Assets (quarter, annualized)

1.22%-315 bps YoY

Net Interest Margin (quarter, annualized)

4.06%

Efficiency Ratio (quarter, annualized)

61.80%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets4.37%4.23%4.49%4.54%1.22%-315 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.06%n/an/a
Efficiency Ration/an/an/an/a61.80%n/an/a
Growth
Asset Growth (YoY)12.49%13.69%16.93%15.99%23.44%+1,096 bps
Loan Growth (YoY)9.14%5.04%1.27%0.71%19.29%+1,015 bps
Share Growth (YoY)12.78%14.50%18.03%18.34%16.96%+418 bps
Asset Quality
Delinquent Loans / Loans1.05%0.74%0.41%0.29%0.18%-87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.45%1.53%1.66%1.70%1.49%+4 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 / Shares75.05%69.66%66.48%65.95%76.55%+150 bps
Liquid Assets / Assets15.64%17.10%20.60%20.35%18.62%+298 bps