Vernon, CA · Charter 3393
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Vernon, CA · Charter 3393
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.96% | -0.41% | 1.03% | 0.41% | 0.75% | -122 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 | 4.65% | 5.33% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 91.42% | 86.31% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -20.55% | -21.36% | -19.65% | -0.07% | -13.92% | +663 bps | |
| Loan Growth (YoY) | -26.88% | -32.84% | -35.89% | -29.51% | -25.84% | +104 bps | |
| Share Growth (YoY) | -28.10% | -31.17% | -28.65% | -2.49% | -22.79% | +532 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.79% | 9.88% | 12.59% | 7.40% | 12.88% | +1,110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.33% | 7.96% | 5.81% | 5.55% | 6.10% | -123 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 | 66.70% | 78.79% | 66.85% | 59.14% | 64.06% | -264 bps | |
| Liquid Assets / Assets | 50.10% | 49.55% | 48.74% | 45.94% | 51.54% | +144 bps | |