Norwalk, CA · Charter 64824
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Norwalk, CA · Charter 64824
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.08% | -5.21% | -5.50% | -11.36% | -7.67% | -59 bps | |
| Return on Equity | -98.11% | -63.95% | -85.58% | -307% | -235% | -13,715 bps | |
| Net Interest Margin | 2.85% | 3.41% | 3.46% | 3.62% | 4.01% | +116 bps | |
| Efficiency Ratio | 162.26% | 146.33% | 146.68% | 6643% | 399% | +23,700 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.01% | -10.33% | -10.40% | -12.35% | -18.32% | -1,332 bps | |
| Loan Growth (YoY) | -8.99% | -5.97% | -6.07% | -12.08% | -13.82% | -484 bps | |
| Share Growth (YoY) | -1.24% | -7.31% | -8.77% | -6.54% | -15.77% | -1,453 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.61% | 2.36% | 3.37% | 2.14% | 2.00% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.54% | 2.15% | 3.06% | 3.71% | 2.80% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.21% | 8.15% | 6.43% | 3.70% | 3.26% | -395 bps | |
| Net Worth / Assets | 7.21% | 8.15% | 6.43% | 3.70% | 3.26% | -395 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.21% | 77.50% | 76.04% | 68.24% | 68.76% | +156 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |