PackageTrendsPeer
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California Bear

Los Angeles, CA · Charter 60888

Q2 1995

$71.9MAssets
$43.3MLoans
$66.7MShares
n/aNet 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 3.76%, up 78 bps year over year.
  • Asset quality: problem loans at 1.26% of loans (-45 bps YoY).
  • Funding: loans stand at 64.83% of shares as of Q2 1995.

Financial Results

Return on Assets (quarter, annualized)

3.76%+78 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q3 1994Q4 1994Q1 1995Q2 1995YoY ΔTrend
Earnings
Return on Assets2.98%3.08%3.21%3.63%3.76%+78 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a2.91%-2.28%n/a
Loan Growth (YoY)n/an/an/a29.52%21.92%n/a
Share Growth (YoY)n/an/an/a2.68%-2.59%n/a
Asset Quality
Delinquent Loans / Loans1.71%2.23%2.13%1.22%1.26%-45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.46%2.38%2.07%2.23%2.05%-41 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares51.80%53.70%61.82%62.47%64.83%+1,303 bps
Liquid Assets / Assets25.38%25.16%20.20%21.26%20.41%-497 bps