El Centro, CA · Charter 4949
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, 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.
El Centro, CA · Charter 4949
Q4 1997
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.16% | 3.31% | 3.58% | 3.86% | 3.98% | -118 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 | -4.38% | 2.52% | 8.60% | 7.31% | n/a | |
| Loan Growth (YoY) | n/a | -0.73% | 4.10% | 10.92% | 9.15% | n/a | |
| Share Growth (YoY) | n/a | -8.17% | -1.44% | 7.07% | 5.82% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.08% | 0.52% | 0.42% | 0.38% | 0.37% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.55% | 0.55% | 0.57% | 0.60% | +20 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 | 76.91% | 75.11% | 82.25% | 78.90% | 79.33% | +242 bps | |
| Liquid Assets / Assets | 17.50% | 17.30% | 16.44% | 19.74% | 18.51% | +101 bps | |