Oakland, CA · Charter 63472
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Oakland, CA · Charter 63472
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.08% | -2.07% | -1.85% | -1.06% | -1.28% | +180 bps | |
| Return on Equity | -65.27% | -41.93% | -38.52% | -23.44% | -30.15% | +3,512 bps | |
| Net Interest Margin | 5.02% | 5.02% | 4.97% | 4.51% | 4.59% | -43 bps | |
| Efficiency Ratio | 76.84% | 78.30% | 80.58% | 84.98% | 87.67% | +1,084 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.13% | -13.72% | -14.43% | -10.75% | -7.71% | -58 bps | |
| Loan Growth (YoY) | -10.88% | -22.22% | -22.95% | -16.53% | -12.83% | -195 bps | |
| Share Growth (YoY) | -2.22% | -8.45% | -17.03% | -9.61% | -7.89% | -567 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.39% | 2.44% | 3.70% | 2.89% | 2.56% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.87% | 2.84% | 3.03% | 2.93% | 2.95% | +8 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.72% | 4.93% | 4.80% | 4.53% | 4.26% | -46 bps | |
| Net Worth / Assets | 4.72% | 4.93% | 4.80% | 4.53% | 4.26% | -46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.50% | 79.97% | 79.26% | 77.78% | 78.07% | -443 bps | |
| Liquid Assets / Assets | 6.43% | 9.14% | 10.95% | 10.71% | 0.00% | -643 bps | |