Thousand Oaks, CA · Charter 24344
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 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.
Thousand Oaks, CA · Charter 24344
Q3 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.13% | -0.67% | -2.41% | 0.42% | -0.02% | +111 bps | |
| Return on Equity | -16.59% | -9.77% | -46.25% | 7.54% | -0.40% | +1,619 bps | |
| Net Interest Margin | 4.18% | 4.22% | 4.35% | 4.69% | 4.21% | +3 bps | |
| Efficiency Ratio | 118.98% | 90.73% | 99.16% | 85.97% | 89.41% | -2,957 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.15% | 4.02% | 6.83% | -7.62% | -3.48% | -463 bps | |
| Loan Growth (YoY) | -13.61% | -15.59% | -12.63% | -11.78% | -13.77% | -16 bps | |
| Share Growth (YoY) | 7.94% | 11.87% | 9.36% | -4.94% | -1.67% | -961 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.30% | 4.58% | 5.12% | 4.11% | 3.48% | +118 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.22% | 2.64% | 2.72% | 2.59% | +204 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.79% | 6.90% | 5.22% | 5.56% | 5.19% | -160 bps | |
| Net Worth / Assets | 6.79% | 6.90% | 5.22% | 5.56% | 5.19% | -160 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.22% | 81.03% | 80.93% | 81.80% | 74.73% | -1,048 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |