PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bay Cities

Hayward, CA · Charter 23985

Q2 1997

$42.7MAssets
$22.7MLoans
$39.0MShares
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 3.25%, down 61 bps year over year.
  • Asset quality: problem loans at 1.38% of loans (+17 bps YoY).
  • Funding: loans stand at 58.32% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

3.25%-61 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 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.86%3.79%3.40%3.35%3.25%-61 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/a6.53%6.20%9.86%n/a
Loan Growth (YoY)n/an/a-0.19%3.18%5.19%n/a
Share Growth (YoY)n/an/a5.80%4.69%9.74%n/a
Asset Quality
Delinquent Loans / Loans1.21%2.23%2.40%2.19%1.38%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.99%1.03%1.30%1.25%0.82%-17 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 / Shares60.84%56.90%51.55%56.83%58.32%-252 bps
Liquid Assets / Assets34.19%38.34%11.21%23.00%23.40%-1,080 bps