PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The 57

Tracy, CA · Charter 5184

Q2 1997

$885KAssets
$638KLoans
$683KShares
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 4.88%, down 16 bps year over year.
  • Asset quality: problem loans at 1.80% of loans (-147 bps YoY).
  • Funding: loans stand at 93.41% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

4.88%-16 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.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets5.04%4.90%4.72%4.63%4.88%-16 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)n/an/a20.27%17.69%-5.68%n/a
Loan Growth (YoY)n/an/a46.65%30.81%6.75%n/a
Share Growth (YoY)n/an/a24.41%17.04%-6.69%n/a
Asset Quality
Delinquent Loans / Loans3.28%0.94%3.61%3.90%1.80%-147 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.51%2.22%2.74%3.76%3.06%-45 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 / Shares81.64%83.68%84.00%84.11%93.41%+1,177 bps
Liquid Assets / Assets31.67%30.65%29.67%31.13%19.29%-1,237 bps