Covina, CA · Charter 64556
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Covina, CA · Charter 64556
Q4 1996
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.18% | 3.15% | 1.54% | 5.56% | 4.50% | -68 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) | n/a | n/a | n/a | -18.42% | -36.34% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -17.62% | -23.75% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -28.59% | -42.16% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.69% | 7.23% | 8.53% | 13.84% | 17.81% | +212 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 0.99% | 3.34% | 4.85% | 7.65% | +613 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 | 87.78% | 97.01% | 106.14% | 105.88% | 115.71% | +2,793 bps | |
| Liquid Assets / Assets | 0.00% | 4.20% | 10.07% | 8.92% | 0.77% | +77 bps | |