Walnut Creek, CA · Charter 24525
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.
Walnut Creek, CA · Charter 24525
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 | 5.35% | 5.00% | 5.24% | 5.13% | 1.44% | -391 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 | 3.05% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 50.51% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 10.07% | 10.24% | 10.26% | 8.44% | 8.20% | -187 bps | |
| Loan Growth (YoY) | 6.20% | 2.68% | -0.85% | 1.84% | 7.85% | +166 bps | |
| Share Growth (YoY) | 10.37% | 11.46% | 10.85% | 9.27% | 9.32% | -105 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.26% | 0.21% | 0.16% | 0.17% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.29% | 1.34% | 1.41% | 1.38% | 1.30% | +1 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 | 59.42% | 57.96% | 54.20% | 55.39% | 58.62% | -80 bps | |
| Liquid Assets / Assets | 16.20% | 22.92% | 22.25% | 14.95% | 11.09% | -511 bps | |