Long Beach, CA · Charter 579
Q3 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2000, the quarter ended September 30, 2000, 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.
Long Beach, CA · Charter 579
Q3 2000
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 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.25% | 0.56% | 0.61% | 0.57% | -82 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 3.52% | 3.55% | 3.48% | 3.42% | 3.43% | -9 bps | |
| Efficiency Ratio | 62.07% | 63.92% | 72.56% | 72.64% | 74.03% | +1,196 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.59% | 5.99% | 8.31% | 5.33% | 8.15% | -244 bps | |
| Loan Growth (YoY) | 11.09% | 8.38% | 5.91% | 6.82% | 7.62% | -347 bps | |
| Share Growth (YoY) | 9.51% | 4.93% | 6.97% | 4.39% | 8.04% | -147 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 2.73% | 0.87% | 0.76% | 0.90% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.13% | 1.25% | 1.29% | 1.32% | +23 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 | 59.54% | 59.55% | 55.62% | 55.70% | 59.31% | -23 bps | |
| Liquid Assets / Assets | 7.86% | 11.51% | 15.25% | 14.13% | 12.10% | +424 bps | |