Downey, CA · Charter 24514
Q3 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 1999, the quarter ended September 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.
Downey, CA · Charter 24514
Q3 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 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | Q3 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.04% | 3.94% | 4.11% | 4.03% | 0.79% | -325 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 | 3.64% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 77.13% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 4.54% | 5.60% | 7.14% | 8.15% | 6.70% | +216 bps | |
| Loan Growth (YoY) | -5.09% | 8.96% | 9.12% | 10.27% | 8.06% | +1,316 bps | |
| Share Growth (YoY) | 3.57% | 5.28% | 7.28% | 8.32% | 7.16% | +360 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.77% | 0.62% | 0.67% | 0.51% | -39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.08% | 0.98% | 0.95% | 0.90% | -25 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 | 71.47% | 70.04% | 68.38% | 69.73% | 72.07% | +60 bps | |
| Liquid Assets / Assets | 13.16% | 17.78% | 7.25% | 6.76% | 14.32% | +116 bps | |