Long Beach, CA · Charter 65637
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.
Long Beach, CA · Charter 65637
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 | 1.85% | 2.16% | 2.08% | 1.90% | 2.57% | +72 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) | -34.85% | -30.71% | -22.18% | -24.83% | -23.22% | +1,163 bps | |
| Loan Growth (YoY) | 10.95% | 10.22% | 1.04% | -17.42% | -27.15% | -3,810 bps | |
| Share Growth (YoY) | -39.68% | -35.86% | -26.91% | -30.33% | -28.71% | +1,097 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.84% | 1.53% | 4.63% | 0.00% | -74 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.88% | 2.07% | 2.27% | 2.22% | 2.54% | +65 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 | 74.51% | 81.94% | 83.87% | 85.85% | 76.15% | +163 bps | |
| Liquid Assets / Assets | 22.24% | 26.88% | 28.12% | 26.86% | 30.36% | +812 bps | |