PackageTrendsPeer
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Santa Monica Consumers

Santa Monica, CA · Charter 62271

Q4 1999

$12.0MAssets
$10.6MLoans
$11.7MShares
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 -3.60%, down 566 bps year over year; NIM at 5.24%.
  • Asset quality: problem loans at 1.82% of loans (-30 bps YoY).
  • Funding: loans stand at 90.27% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

-3.60%-566 bps YoY

Net Interest Margin (quarter, annualized)

5.24%

Efficiency Ratio (quarter, annualized)

110.50%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.07%2.26%2.43%2.04%-3.60%-566 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.24%n/an/a
Efficiency Ration/an/an/an/a110.50%n/an/a
Growth
Asset Growth (YoY)-1.80%-1.22%6.63%6.82%8.49%+1,029 bps
Loan Growth (YoY)-7.25%-8.52%5.86%28.15%38.95%+4,620 bps
Share Growth (YoY)-2.08%-0.52%7.62%8.18%12.96%+1,504 bps
Asset Quality
Delinquent Loans / Loans2.12%3.33%3.47%2.34%1.82%-30 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.46%3.15%2.90%2.31%3.76%+130 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 / Shares73.38%68.81%73.18%87.55%90.27%+1,688 bps
Liquid Assets / Assets26.27%28.82%26.99%8.12%8.34%-1,793 bps