PackageTrendsPeer
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Santa Fe Springs City Emp.

Santa Fe Spring, CA · Charter 60999

Q1 2010

$12.9MAssets
$3.1MLoans
$9.9MShares
$2.7MNet 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 0.56%, up 271 bps year over year; NIM at 2.42%.
  • Asset quality: problem loans at 2.14% of loans (-149 bps YoY).
  • Capital: net worth / assets of 21.20%, down 137 bps from a year ago.
  • Funding: loans stand at 30.83% of shares as of Q1 2010.

Financial Results

Return on Assets (quarter, annualized)

0.56%+271 bps YoY

Net Interest Margin (quarter, annualized)

2.42%-5 bps YoY

Efficiency Ratio (quarter, annualized)

62.40%-505 bps YoY

Net Worth / Assets

21.20%-137 bps YoY

Discrete quarter, annualized.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets-2.16%0.36%0.43%-0.48%0.56%+271 bps
Return on Equity-9.55%1.67%1.95%-2.17%2.62%+1,218 bps
Net Interest Margin2.46%2.36%2.34%2.35%2.42%-5 bps
Efficiency Ratio67.45%45.51%49.80%77.28%62.40%-505 bps
Growth
Asset Growth (YoY)5.73%4.33%5.07%3.66%7.38%+165 bps
Loan Growth (YoY)-8.91%-8.72%-4.03%-5.94%-7.45%+146 bps
Share Growth (YoY)7.33%6.22%7.58%5.87%9.71%+239 bps
Asset Quality
Delinquent Loans / Loans3.63%4.18%3.31%2.57%2.14%-149 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.67%0.76%0.94%0.46%0.54%-13 bps
Capital
Risk-Based Capital22.57%21.82%22.13%22.13%21.20%-137 bps
Net Worth / Assets22.57%21.82%22.13%22.13%21.20%-137 bps
Liquidity & Funding
Loans / Shares36.54%33.87%35.53%34.08%30.83%-572 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps