Santa Clara, CA · Charter 6388
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 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.
Santa Clara, CA · Charter 6388
Q2 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.21% | 3.32% | 2.94% | 2.96% | -13.13% | -1,634 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 | 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) | 1.21% | 6.46% | 9.03% | 10.47% | 1.32% | +10 bps | |
| Loan Growth (YoY) | 16.05% | 16.95% | 7.79% | -9.58% | -5.06% | -2,111 bps | |
| Share Growth (YoY) | -1.06% | 5.00% | 8.13% | 10.66% | 2.21% | +327 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 1.27% | 0.91% | 1.69% | 0.25% | -25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 1.36% | 1.24% | 1.60% | 2.90% | +162 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 | 91.32% | 91.76% | 79.83% | 71.40% | 84.83% | -650 bps | |
| Liquid Assets / Assets | 20.14% | 19.81% | 27.63% | 34.42% | 23.93% | +379 bps | |