PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Schools

Sacramento, CA · Charter 24317

Q1 1999

$616.5MAssets
$344.9MLoans
$553.0MShares
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 4.24%, down 54 bps year over year.
  • Asset quality: problem loans at 0.48% of loans (-4 bps YoY).
  • Funding: loans stand at 62.37% of shares as of Q1 1999.

Financial Results

Return on Assets (YTD, annualized)

4.24%-54 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.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets4.78%4.79%4.81%4.66%4.24%-54 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)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 / Loans0.51%0.59%0.53%0.52%0.48%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.11%1.13%1.14%1.14%1.10%-1 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 / Shares66.10%63.45%63.89%61.59%62.37%-373 bps
Liquid Assets / Assets27.74%33.94%36.66%37.15%34.60%+686 bps