Pomona, CA · Charter 3589
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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.
Pomona, CA · Charter 3589
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.54% | 2.28% | 0.83% | 1.86% | -0.20% | -274 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -7.88% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -23.68% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -5.58% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 1.38% | 3.88% | 0.66% | 5.96% | +459 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.24% | 1.98% | 1.90% | 4.08% | +247 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 | 76.63% | 85.17% | 79.72% | 63.79% | 61.94% | -1,469 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 19.33% | 31.59% | 25.71% | +2,571 bps | |