Sacramento, CA · Charter 24496
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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 24496
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.42% | 0.26% | 0.23% | -0.65% | -127 bps | |
| Return on Equity | 11.28% | 7.26% | 4.63% | 4.22% | -12.61% | -2,389 bps | |
| Net Interest Margin | 3.94% | 4.19% | 4.14% | 4.06% | 4.11% | +16 bps | |
| Efficiency Ratio | 87.04% | 92.06% | 89.96% | 94.73% | 88.76% | +172 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.00% | -12.11% | -4.20% | 2.05% | 0.71% | +1,172 bps | |
| Loan Growth (YoY) | 3.22% | 1.48% | -2.00% | -4.33% | -6.65% | -987 bps | |
| Share Growth (YoY) | -11.15% | -12.51% | -4.20% | 2.50% | 2.32% | +1,347 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.08% | 0.31% | 0.26% | 0.31% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.31% | 0.42% | 0.45% | 1.03% | +61 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.54% | 5.77% | 5.57% | 5.39% | 5.12% | -42 bps | |
| Net Worth / Assets | 5.54% | 5.77% | 5.57% | 5.39% | 5.12% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.51% | 62.77% | 59.34% | 54.43% | 54.29% | -522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |