Martinez, CA · Charter 64903
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Martinez, CA · Charter 64903
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | 0.05% | -1.26% | -0.34% | -0.02% | -3 bps | |
| Return on Equity | 0.08% | 0.34% | -8.66% | -2.28% | -0.14% | -22 bps | |
| Net Interest Margin | 4.68% | 4.31% | 3.97% | 3.72% | 3.84% | -84 bps | |
| Efficiency Ratio | 93.20% | 93.37% | 101.51% | 95.05% | 93.63% | +43 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.77% | 6.20% | -1.60% | -29.54% | -4.83% | -560 bps | |
| Loan Growth (YoY) | -21.10% | -26.10% | -30.69% | -19.68% | -0.77% | +2,033 bps | |
| Share Growth (YoY) | 0.87% | 7.38% | -1.66% | -33.10% | -5.67% | -654 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.49% | 8.03% | 9.81% | 7.67% | 6.16% | -233 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 0.89% | 1.73% | 1.63% | 1.49% | +37 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.60% | 14.10% | 14.60% | 15.12% | 15.37% | +77 bps | |
| Net Worth / Assets | 14.60% | 14.10% | 14.60% | 15.12% | 15.37% | +77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.29% | 47.33% | 45.79% | 53.82% | 59.21% | +292 bps | |
| Liquid Assets / Assets | 48.57% | 36.98% | 37.58% | 30.58% | 25.61% | -2,296 bps | |