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Cal State 9

Berkeley, CA · Charter 64449

Q2 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2008, the quarter ended June 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cal State 9

Berkeley, CA · Charter 64449

Q2 2008

$102.8MAssets
$60.3MLoans
$216.9MShares
$-217492KNet Worth

Executive Summary

  • Earnings: ROA of -377.17%, down 37,313 bps year over year; NIM at -1.49%.
  • Asset quality: problem loans at 4.57% of loans (-224 bps YoY).
  • Capital: net worth / assets of -211.56%, down 21,800 bps from a year ago.
  • Funding: loans stand at 27.79% of shares as of Q2 2008.

Return on Assets (YTD, annualized)

-377%-37,313 bps YoY

Net Interest Margin (YTD, annualized)

-1.49%-624 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

-212%-21,800 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets2.44%2.17%1.41%-4.04%-15.75%-18.18%-74.40%-377%-37,313 bps
Return on Equity28.42%24.87%16.48%-62.70%n/an/an/an/an/a
Net Interest Margin4.70%4.75%4.60%4.75%5.29%5.48%2.16%-1.49%-624 bps
Efficiency Ratio46.26%46.57%50.27%43.90%53.51%58.62%127.40%n/an/a
Growth
Asset Growth (YoY)48.40%35.74%32.35%16.32%-8.22%-22.10%-38.46%-77.12%-9,344 bps
Loan Growth (YoY)77.74%48.26%39.15%24.21%2.72%-3.06%-16.54%-84.42%-10,863 bps
Share Growth (YoY)51.60%55.48%35.60%21.69%8.95%-27.14%-33.51%-42.91%-6,460 bps
Asset Quality
Delinquent Loans / Loans2.40%4.71%5.09%6.81%7.31%13.81%20.13%4.57%-224 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.85%1.25%1.00%3.89%9.84%13.03%25.24%3.37%-52 bps
Capital
Risk-Based Capital8.57%8.74%8.55%6.44%-2.03%-6.97%-26.88%-212%-21,800 bps
Net Worth / Assets8.57%8.74%8.55%6.44%-2.03%-6.97%-26.88%-212%-21,800 bps
Liquidity & Funding
Loans / Shares96.59%89.94%99.08%101.79%91.07%119.67%124.36%27.79%-7,401 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps