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Monterey-San Benito Grange

Salinas, CA · Charter 61767

Q2 1999

$533KAssets
$279KLoans
$464KShares
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 3.43%, up 67 bps year over year.
  • Asset quality: problem loans at 1.12% of loans (-101 bps YoY).
  • Funding: loans stand at 60.20% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.43%+67 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.76%3.01%3.69%3.44%3.43%+67 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)-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 / Loans2.13%1.42%1.22%2.18%1.12%-101 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%0.95%1.25%1.74%1.30%+65 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 / Shares69.91%69.99%69.05%60.54%60.20%-971 bps
Liquid Assets / Assets32.84%33.90%32.80%43.74%41.82%+898 bps