Sacramento, CA · Charter 61214
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Sacramento, CA · Charter 61214
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 1.13% | 1.06% | 0.92% | -0.67% | -107 bps | |
| Return on Equity | 5.17% | 14.19% | 12.30% | 10.37% | -7.68% | -1,286 bps | |
| Net Interest Margin | 4.31% | 4.37% | 4.61% | 4.67% | 4.23% | -8 bps | |
| Efficiency Ratio | 100.44% | 91.41% | 90.31% | 90.77% | 100.12% | -32 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.18% | -2.11% | -13.42% | -10.56% | -4.62% | +656 bps | |
| Loan Growth (YoY) | -13.02% | -1.08% | 0.24% | 2.25% | -3.22% | +980 bps | |
| Share Growth (YoY) | -12.26% | -3.06% | -15.10% | -12.52% | -6.24% | +602 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.31% | 0.51% | 0.90% | 0.70% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 0.62% | 0.44% | 0.40% | 0.76% | -29 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.70% | 7.95% | 8.65% | 8.91% | 8.72% | +102 bps | |
| Net Worth / Assets | 7.70% | 7.95% | 8.65% | 8.91% | 8.72% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.74% | 52.31% | 56.76% | 58.34% | 55.47% | +173 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |