PackageTrendsPeer
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Santa Clara, CA · Charter 6388

Q2 1999

$7.0MAssets
$4.9MLoans
$5.8MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -13.13%, down 1,634 bps year over year.
  • Asset quality: problem loans at 0.25% of loans (-25 bps YoY).
  • Funding: loans stand at 84.83% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

-13.13%-1,634 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.21%3.32%2.94%2.96%-13.13%-1,634 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans0.50%1.27%0.91%1.69%0.25%-25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.27%1.36%1.24%1.60%2.90%+162 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares91.32%91.76%79.83%71.40%84.83%-650 bps
Liquid Assets / Assets20.14%19.81%27.63%34.42%23.93%+379 bps