Whittier, CA · Charter 24328
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 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.
Whittier, CA · Charter 24328
Q2 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.84% | 1.99% | 2.78% | 2.70% | 2.98% | +13 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) | -12.41% | 4.11% | -8.27% | -14.39% | -11.91% | +50 bps | |
| Loan Growth (YoY) | -18.44% | -24.99% | -12.62% | -7.86% | 0.22% | +1,866 bps | |
| Share Growth (YoY) | -13.50% | 5.68% | -8.55% | -16.12% | -13.30% | +20 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.09% | 4.69% | 2.07% | 1.47% | 1.43% | -365 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.88% | 2.92% | 1.85% | 2.14% | 2.51% | -37 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 | 62.03% | 54.03% | 70.66% | 68.93% | 71.70% | +968 bps | |
| Liquid Assets / Assets | 21.81% | 29.12% | 14.01% | 16.58% | 36.32% | +1,451 bps | |