PackageTrendsPeer
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Adohr Milk Farms

Garden Grove, CA · Charter 56

Q2 2007

$7.7MAssets
$3.8MLoans
$6.4MShares
$1.1MNet 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 -9.34%, down 962 bps year over year; NIM at 0.57%.
  • Asset quality: problem loans at 0.40% of loans (-34 bps YoY).
  • Capital: net worth / assets of 14.81%, down 174 bps from a year ago.
  • Funding: loans stand at 58.90% of shares as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

-9.34%-962 bps YoY

Net Interest Margin (YTD, annualized)

0.57%-375 bps YoY

Efficiency Ratio (YTD, annualized)

760%+67,051 bps YoY

Net Worth / Assets

14.81%-174 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.28%0.40%0.34%-0.85%-9.34%-962 bps
Return on Equity1.70%2.28%1.79%-4.55%-63.04%-6,474 bps
Net Interest Margin4.32%4.51%4.71%4.36%0.57%-375 bps
Efficiency Ratio89.90%89.29%90.87%104.77%760%+67,051 bps
Growth
Asset Growth (YoY)-9.33%-11.21%-16.58%-16.26%-14.20%-487 bps
Loan Growth (YoY)-14.68%-14.04%-14.95%-18.98%-20.14%-546 bps
Share Growth (YoY)-11.21%-13.30%-18.24%-19.09%-15.86%-465 bps
Asset Quality
Delinquent Loans / Loans0.73%0.85%2.87%0.42%0.40%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.49%1.44%1.34%1.49%0.88%-61 bps
Capital
Risk-Based Capital16.55%17.71%18.89%18.59%14.81%-174 bps
Net Worth / Assets16.55%17.71%18.89%18.59%14.81%-174 bps
Liquidity & Funding
Loans / Shares62.06%63.33%63.97%60.52%58.90%-316 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps