Scottsdale, AZ · Charter 63457
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Scottsdale, AZ · Charter 63457
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | 0.08% | 0.02% | -0.44% | -0.23% | -17 bps | |
| Return on Equity | -0.70% | 0.90% | 0.17% | -5.15% | -2.64% | -194 bps | |
| Net Interest Margin | 3.51% | 3.57% | 3.63% | 3.65% | 3.51% | 0 bps | |
| Efficiency Ratio | 92.36% | 89.27% | 88.97% | 87.44% | 90.43% | -193 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.94% | -3.90% | -2.38% | -4.53% | -3.36% | -42 bps | |
| Loan Growth (YoY) | -21.47% | -18.92% | -14.68% | -12.74% | -17.26% | +421 bps | |
| Share Growth (YoY) | -3.00% | -4.15% | -2.60% | -4.76% | -3.54% | -54 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 1.61% | 2.40% | 1.28% | 0.88% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.66% | 1.47% | 1.56% | 1.79% | +62 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.38% | 8.57% | 8.71% | 8.51% | 8.56% | +18 bps | |
| Net Worth / Assets | 8.38% | 8.57% | 8.71% | 8.51% | 8.56% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.55% | 46.36% | 46.49% | 43.91% | 39.93% | -662 bps | |
| Liquid Assets / Assets | 42.27% | 31.71% | 32.50% | 36.66% | 40.89% | -139 bps | |