Salinas, CA · Charter 61767
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Salinas, CA · Charter 61767
Q2 1999
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.76% | 3.01% | 3.69% | 3.44% | 3.43% | +67 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -9.32% | -5.08% | -13.18% | -7.71% | -5.78% | +355 bps | |
| Loan Growth (YoY) | -19.83% | -12.21% | -18.15% | -16.90% | -20.00% | -18 bps | |
| Share Growth (YoY) | -10.59% | -5.95% | -15.20% | -9.20% | -7.10% | +349 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.13% | 1.42% | 1.22% | 2.18% | 1.12% | -101 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.95% | 1.25% | 1.74% | 1.30% | +65 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.91% | 69.99% | 69.05% | 60.54% | 60.20% | -971 bps | |
| Liquid Assets / Assets | 32.84% | 33.90% | 32.80% | 43.74% | 41.82% | +898 bps | |