Brea, CA · Charter 60797
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Brea, CA · Charter 60797
Q1 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.29% | 0.11% | 0.05% | -1.42% | -156 bps | |
| Return on Equity | 2.16% | 4.45% | 1.73% | 0.74% | -21.19% | -2,334 bps | |
| Net Interest Margin | 4.08% | 4.09% | 4.11% | 4.23% | 4.05% | -2 bps | |
| Efficiency Ratio | 96.82% | 92.92% | 93.51% | 95.82% | 132.50% | +3,569 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.17% | 1.25% | -0.76% | -1.96% | -5.69% | -452 bps | |
| Loan Growth (YoY) | -16.93% | -15.20% | -15.20% | -11.47% | -8.27% | +866 bps | |
| Share Growth (YoY) | -1.34% | 1.17% | -0.96% | -1.71% | -6.08% | -474 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.56% | 0.34% | 0.61% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.28% | 0.30% | 0.30% | 0.30% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.64% | 6.60% | 6.57% | 6.95% | 6.70% | +6 bps | |
| Net Worth / Assets | 6.64% | 6.60% | 6.57% | 6.95% | 6.70% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.50% | 43.26% | 40.84% | 41.41% | 42.48% | -102 bps | |
| Liquid Assets / Assets | 29.52% | 21.54% | 26.55% | 24.13% | 26.32% | -321 bps | |