Orcutt, CA · Charter 605
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 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.
Orcutt, CA · Charter 605
Q2 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.60% | -0.43% | -0.74% | -0.78% | -1.03% | +57 bps | |
| Return on Equity | -10.93% | -2.87% | -5.33% | -5.89% | -9.69% | +124 bps | |
| Net Interest Margin | 3.68% | 4.11% | 3.31% | 2.75% | 2.22% | -146 bps | |
| Efficiency Ratio | 101.21% | 83.17% | 97.46% | 126.79% | 118.58% | +1,737 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.64% | 10.36% | 15.41% | 19.51% | 31.34% | +2,371 bps | |
| Loan Growth (YoY) | -13.90% | -33.42% | -31.65% | -30.38% | -36.39% | -2,249 bps | |
| Share Growth (YoY) | 9.45% | 12.65% | 19.73% | 24.75% | 37.73% | +2,827 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.78% | 5.21% | 0.61% | 0.36% | 5.69% | +191 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.98% | 2.36% | 2.18% | 2.70% | 1.96% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.65% | 14.81% | 13.91% | 13.17% | 10.65% | -400 bps | |
| Net Worth / Assets | 14.65% | 14.81% | 13.91% | 13.17% | 10.65% | -400 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.76% | 52.43% | 49.00% | 41.59% | 27.60% | -3,216 bps | |
| Liquid Assets / Assets | 39.25% | 49.77% | 55.20% | 57.33% | 72.94% | +3,369 bps | |