Tustin, CA · Charter 63165
Q3 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 1996, the quarter ended September 30, 1996, 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.
Tustin, CA · Charter 63165
Q3 1996
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 | Q3 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.74% | 3.96% | 3.36% | 3.71% | n/a | n/a | |
| 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) | -7.91% | -11.00% | -4.49% | -3.65% | -4.31% | +360 bps | |
| Loan Growth (YoY) | 9.81% | -0.59% | -1.53% | 0.75% | -4.22% | -1,403 bps | |
| Share Growth (YoY) | -6.84% | -4.34% | -1.36% | -3.97% | -4.96% | +189 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 1.27% | 1.01% | 0.98% | 0.70% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.01% | 1.97% | 2.12% | 1.93% | 1.93% | -8 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 | 72.03% | 74.65% | 73.26% | 76.42% | 72.59% | +56 bps | |
| Liquid Assets / Assets | 19.84% | 16.96% | 14.24% | 8.42% | 12.82% | -702 bps | |