Mendota, CA · Charter 64675
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.
Mendota, CA · Charter 64675
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 | 1.99% | -1.97% | 0.79% | -0.27% | 3.81% | +182 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) | -25.31% | -24.32% | -24.86% | -31.82% | -16.57% | +874 bps | |
| Loan Growth (YoY) | -3.61% | 5.07% | -12.45% | -27.18% | -1.19% | +242 bps | |
| Share Growth (YoY) | -28.85% | -31.47% | -31.05% | -38.28% | -23.93% | +492 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.01% | 4.63% | 5.32% | 4.97% | 4.29% | -272 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.24% | 6.85% | 6.69% | 7.79% | 5.59% | +235 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 | 107.38% | 132.08% | 126.60% | 135.72% | 139.47% | +3,209 bps | |
| Liquid Assets / Assets | 10.09% | 5.21% | 7.19% | 8.48% | 4.59% | -550 bps | |