Sacramento, CA · Charter 24317
Q1 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1999, the quarter ended March 31, 1999, 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.
Sacramento, CA · Charter 24317
Q1 1999
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 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.78% | 4.79% | 4.81% | 4.66% | 4.24% | -54 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) | 9.87% | 9.36% | 9.44% | 10.20% | 10.53% | +65 bps | |
| Loan Growth (YoY) | 6.28% | 3.03% | -0.54% | -0.49% | 4.03% | -225 bps | |
| Share Growth (YoY) | 9.76% | 9.12% | 9.06% | 9.85% | 10.26% | +50 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.59% | 0.53% | 0.52% | 0.48% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.13% | 1.14% | 1.14% | 1.10% | -1 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 | 66.10% | 63.45% | 63.89% | 61.59% | 62.37% | -373 bps | |
| Liquid Assets / Assets | 27.74% | 33.94% | 36.66% | 37.15% | 34.60% | +686 bps | |