Stockton, CA · Charter 63628
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Stockton, CA · Charter 63628
Q4 1999
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.81% | 3.63% | 3.60% | 3.24% | 0.36% | -345 bps | |
| 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 | 3.50% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 88.15% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 3.19% | 9.62% | 11.35% | 4.64% | -2.58% | -577 bps | |
| Loan Growth (YoY) | -4.20% | -3.43% | -15.45% | -19.69% | -14.92% | -1,071 bps | |
| Share Growth (YoY) | 1.61% | 10.41% | 12.09% | 3.97% | -3.80% | -541 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.62% | 0.95% | 2.00% | 0.26% | 0.81% | -181 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.07% | 2.77% | 2.63% | 1.32% | 1.28% | -179 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 | 35.49% | 32.86% | 28.70% | 28.77% | 31.39% | -410 bps | |
| Liquid Assets / Assets | 43.50% | 36.43% | 73.97% | 73.53% | 72.11% | +2,861 bps | |