Richmond, CA · Charter 64924
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 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.
Richmond, CA · Charter 64924
Q2 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.51% | 1.54% | 1.53% | 0.62% | 0.82% | -69 bps | |
| Return on Equity | 9.91% | 9.99% | 9.64% | 3.95% | 5.18% | -473 bps | |
| Net Interest Margin | 2.93% | 2.86% | 2.77% | 1.76% | 1.88% | -106 bps | |
| Efficiency Ratio | 34.96% | 37.31% | 37.69% | 64.49% | 56.71% | +2,175 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.05% | 3.76% | 2.49% | 2.58% | 3.55% | +149 bps | |
| Loan Growth (YoY) | -2.79% | 4.50% | -2.21% | -5.48% | -1.44% | +135 bps | |
| Share Growth (YoY) | 0.98% | 2.93% | 1.33% | 1.49% | 2.75% | +177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.93% | 2.91% | 1.16% | 0.75% | +37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.44% | 4.57% | 4.38% | 4.70% | 4.58% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.28% | 15.37% | 15.86% | 15.81% | 15.93% | +65 bps | |
| Net Worth / Assets | 15.28% | 15.37% | 15.86% | 15.81% | 15.93% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.06% | 53.48% | 52.27% | 48.08% | 48.97% | -209 bps | |
| Liquid Assets / Assets | 34.92% | 34.83% | 35.75% | 59.63% | 59.04% | +2,412 bps | |