Antioch, CA · Charter 24013
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Antioch, CA · Charter 24013
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.51% | -1.33% | -2.37% | -1.77% | -0.97% | +254 bps | |
| Return on Equity | -55.61% | -20.75% | -42.10% | -30.66% | -17.93% | +3,768 bps | |
| Net Interest Margin | 2.89% | 3.07% | 3.29% | 3.41% | 3.33% | +44 bps | |
| Efficiency Ratio | 91.26% | 80.92% | 98.53% | 74.86% | 83.90% | -736 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.92% | 5.65% | 4.80% | 0.79% | -2.80% | -1,072 bps | |
| Loan Growth (YoY) | -8.02% | -11.29% | -12.19% | -13.04% | -17.54% | -952 bps | |
| Share Growth (YoY) | 11.37% | 8.36% | 7.71% | 2.83% | -1.86% | -1,322 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.95% | 4.83% | 1.15% | 1.54% | 2.04% | -291 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.66% | 2.73% | 3.31% | 3.59% | 4.37% | +171 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.31% | 6.41% | 5.63% | 5.78% | 5.41% | -89 bps | |
| Net Worth / Assets | 6.31% | 6.41% | 5.63% | 5.78% | 5.41% | -89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.92% | 56.11% | 54.35% | 54.07% | 49.51% | -941 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |