Oakland, CA · Charter 24643
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Oakland, CA · Charter 24643
Q2 2008
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.94% | -5.87% | -5.62% | -4.03% | -4.12% | +82 bps | |
| Return on Equity | -56.15% | -82.75% | -92.47% | -80.31% | -97.69% | -4,154 bps | |
| Net Interest Margin | 4.88% | 4.95% | 5.10% | 4.78% | 4.97% | +9 bps | |
| Efficiency Ratio | 148.46% | 144.40% | 137.06% | 142.20% | 152.76% | +430 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.56% | -11.71% | -13.09% | -6.31% | -6.74% | +182 bps | |
| Loan Growth (YoY) | -7.15% | -7.57% | -5.55% | -4.00% | -7.62% | -47 bps | |
| Share Growth (YoY) | -8.78% | -9.84% | -8.90% | -1.90% | -1.40% | +739 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.29% | 3.40% | 4.09% | 3.20% | 4.80% | -148 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.56% | 6.82% | 7.55% | 7.93% | 7.01% | +145 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.79% | 7.10% | 6.08% | 5.01% | 4.22% | -458 bps | |
| Net Worth / Assets | 8.79% | 7.10% | 6.08% | 5.01% | 4.22% | -458 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.19% | 27.21% | 27.21% | 27.52% | 27.35% | -184 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |