PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Santa Fe West

Commerce, CA · Charter 64806

Q2 1998

$24.3MAssets
$21.9MLoans
$20.8MShares
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 4.12%, up 61 bps year over year.
  • Asset quality: problem loans at 1.71% of loans (-33 bps YoY).
  • Funding: loans stand at 105.02% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

4.12%+61 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.52%3.58%3.74%3.76%4.12%+61 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)0.63%5.87%9.81%0.89%1.84%+121 bps
Loan Growth (YoY)0.35%4.32%21.29%21.88%18.83%+1,849 bps
Share Growth (YoY)-3.43%2.18%7.35%-0.55%0.35%+379 bps
Asset Quality
Delinquent Loans / Loans2.04%2.29%2.16%2.95%1.71%-33 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.59%2.50%2.41%2.52%2.63%+4 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 / Shares88.69%96.99%101.40%107.33%105.02%+1,633 bps
Liquid Assets / Assets13.91%7.46%2.99%7.45%9.32%-459 bps