Terminal Island, CA · Charter 536
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Terminal Island, CA · Charter 536
Q3 2003
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.43% | 0.15% | 0.09% | 0.07% | -45 bps | |
| Return on Equity | 3.39% | 2.67% | 0.98% | 0.63% | 0.50% | -289 bps | |
| Net Interest Margin | 2.56% | 2.56% | 2.04% | 1.90% | 1.83% | -72 bps | |
| Efficiency Ratio | 79.72% | 83.20% | 91.46% | 93.63% | 94.47% | +1,475 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.00% | 9.05% | 10.02% | 10.70% | 7.17% | -1,583 bps | |
| Loan Growth (YoY) | -25.30% | -24.45% | -21.61% | -18.09% | -17.19% | +811 bps | |
| Share Growth (YoY) | 26.83% | 10.17% | 11.54% | 12.53% | 8.36% | -1,847 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 1.09% | 0.71% | 0.94% | 0.94% | +50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 1.35% | 1.47% | 1.67% | 1.84% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.39% | 16.02% | 15.41% | 14.66% | 14.43% | -96 bps | |
| Net Worth / Assets | 15.39% | 16.02% | 15.41% | 14.66% | 14.43% | -96 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.50% | 21.14% | 19.44% | 16.79% | 15.67% | -483 bps | |
| Liquid Assets / Assets | 69.87% | 63.81% | 68.53% | 62.30% | 72.35% | +248 bps | |