North Highlands, CA · Charter 4014
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
North Highlands, CA · Charter 4014
Q2 1998
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 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.24% | 4.30% | 4.29% | 4.49% | 4.47% | +23 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) | 4.03% | 3.71% | 4.87% | -4.55% | 5.80% | +177 bps | |
| Loan Growth (YoY) | -1.17% | 0.65% | 2.71% | 4.50% | 6.21% | +738 bps | |
| Share Growth (YoY) | 4.38% | 3.54% | 4.47% | -6.49% | 5.36% | +98 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.52% | 1.33% | 1.51% | 1.29% | 1.06% | -46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 1.54% | 1.66% | 1.63% | 1.59% | +2 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 | 66.94% | 69.22% | 69.38% | 67.77% | 67.48% | +54 bps | |
| Liquid Assets / Assets | 20.20% | 16.00% | 16.33% | 18.42% | 33.12% | +1,292 bps | |