San Diego, CA · Charter 3986
Q3 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2000, the quarter ended September 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.
San Diego, CA · Charter 3986
Q3 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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.81% | 0.62% | 0.73% | 0.74% | -3 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 3.36% | 3.27% | 3.30% | 3.41% | 3.28% | -8 bps | |
| Efficiency Ratio | 77.12% | 76.57% | 84.53% | 80.81% | 79.47% | +236 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.62% | 17.59% | 13.76% | 12.25% | 16.52% | +90 bps | |
| Loan Growth (YoY) | 21.00% | 22.10% | 22.91% | 25.41% | 18.95% | -206 bps | |
| Share Growth (YoY) | 8.86% | 10.13% | 10.93% | 10.22% | 15.45% | +659 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.30% | 0.11% | 0.12% | 0.14% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.66% | 0.59% | 0.54% | 0.50% | -28 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 | 84.45% | 85.86% | 84.72% | 88.97% | 87.01% | +256 bps | |
| Liquid Assets / Assets | 19.04% | 16.09% | 21.00% | 16.00% | 17.31% | -173 bps | |