PackageTrendsPeer
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Kearny Mesa

San Diego, CA · Charter 3406

Q4 1997

$103.8MAssets
$57.6MLoans
$92.3MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.44%, up 13 bps year over year.
  • Asset quality: problem loans at 0.41% of loans (-22 bps YoY).
  • Funding: loans stand at 62.45% of shares as of Q4 1997.

Financial Results

Return on Assets (YTD, annualized)

4.44%+13 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.32%4.25%4.41%4.49%4.44%+13 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)5.09%3.32%3.47%5.05%8.54%+345 bps
Loan Growth (YoY)13.81%7.27%5.38%12.32%17.78%+397 bps
Share Growth (YoY)4.93%2.80%2.73%4.23%8.13%+320 bps
Asset Quality
Delinquent Loans / Loans0.63%0.29%0.41%0.50%0.41%-22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.96%1.11%1.07%1.05%+25 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares57.34%54.28%55.00%59.27%62.45%+511 bps
Liquid Assets / Assets30.55%32.35%34.03%28.19%26.25%-429 bps