Hayward, CA · Charter 23985
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Hayward, CA · Charter 23985
Q2 1997
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.86% | 3.79% | 3.40% | 3.35% | 3.25% | -61 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 | 6.53% | 6.20% | 9.86% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -0.19% | 3.18% | 5.19% | n/a | |
| Share Growth (YoY) | n/a | n/a | 5.80% | 4.69% | 9.74% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 2.23% | 2.40% | 2.19% | 1.38% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.99% | 1.03% | 1.30% | 1.25% | 0.82% | -17 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 | 60.84% | 56.90% | 51.55% | 56.83% | 58.32% | -252 bps | |
| Liquid Assets / Assets | 34.19% | 38.34% | 11.21% | 23.00% | 23.40% | -1,080 bps | |