El Segundo, CA · Charter 64681
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
El Segundo, CA · Charter 64681
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.89% | 3.96% | 4.41% | 4.80% | 4.31% | +41 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) | 0.42% | 5.23% | 7.50% | 3.30% | 4.83% | +441 bps | |
| Loan Growth (YoY) | 1.11% | -2.28% | -5.07% | 6.75% | 9.71% | +860 bps | |
| Share Growth (YoY) | -0.31% | 5.89% | 9.58% | 3.05% | 3.45% | +376 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.14% | 0.41% | 0.58% | 0.50% | 0.90% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.36% | 1.37% | 1.30% | 1.26% | -31 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 | 50.86% | 51.08% | 48.43% | 55.60% | 53.94% | +308 bps | |
| Liquid Assets / Assets | 24.56% | 15.64% | 9.93% | 21.83% | 26.01% | +145 bps | |