Alameda, CA · Charter 60831
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Alameda, CA · Charter 60831
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.81% | -0.61% | -0.67% | -1.05% | -8.57% | -777 bps | |
| Return on Equity | -12.85% | -9.44% | -10.80% | -17.23% | -1577% | -156,383 bps | |
| Net Interest Margin | 2.68% | 2.78% | 2.23% | 2.25% | 2.29% | -39 bps | |
| Efficiency Ratio | 116.71% | 113.76% | 126.23% | 132.00% | 318% | +20,124 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.62% | -5.99% | -7.11% | -7.58% | -9.89% | -727 bps | |
| Loan Growth (YoY) | -13.73% | -15.58% | -15.73% | -16.51% | -21.01% | -728 bps | |
| Share Growth (YoY) | -2.49% | -5.84% | -7.24% | -7.82% | -4.89% | -240 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.84% | 1.50% | 2.53% | 1.61% | 0.24% | -260 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.76% | 0.60% | 0.59% | 0.49% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.27% | 6.44% | 6.22% | 6.08% | 0.54% | -573 bps | |
| Net Worth / Assets | 6.27% | 6.44% | 6.22% | 6.08% | 0.54% | -573 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.70% | 33.60% | 31.54% | 30.88% | 27.99% | -571 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |