Stockton, CA · Charter 63862
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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 63862
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.05% | 0.03% | 0.13% | -1.47% | -149 bps | |
| Return on Equity | 0.21% | 0.38% | 0.22% | 1.10% | -13.36% | -1,357 bps | |
| Net Interest Margin | 2.28% | 2.28% | 2.23% | 2.18% | 2.35% | +7 bps | |
| Efficiency Ratio | 99.00% | 98.17% | 98.92% | 94.70% | 155.88% | +5,688 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.33% | 1.12% | 2.84% | 8.82% | 7.45% | +612 bps | |
| Loan Growth (YoY) | -34.59% | -29.16% | -28.71% | -30.26% | -2.65% | +3,194 bps | |
| Share Growth (YoY) | 0.85% | 1.40% | 3.91% | 9.73% | 10.60% | +976 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.53% | 0.29% | 1.08% | 0.55% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.25% | 2.45% | 2.65% | 2.73% | 2.02% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.58% | 12.70% | 12.50% | 11.74% | 10.99% | -159 bps | |
| Net Worth / Assets | 12.58% | 12.70% | 12.50% | 11.74% | 10.99% | -159 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 10.84% | 10.18% | 9.24% | 7.54% | 9.54% | -130 bps | |
| Liquid Assets / Assets | 29.67% | 38.16% | 29.40% | 41.25% | 54.04% | +2,438 bps | |