San Jose, CA · Charter 68023
Q4 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1997, the quarter ended December 31, 1997, 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.
San Jose, CA · Charter 68023
Q4 1997
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.63% | 3.76% | 3.39% | -1.35% | 1.47% | -215 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) | n/a | 54.11% | 31.73% | 12.39% | 0.51% | n/a | |
| Loan Growth (YoY) | n/a | 75.01% | 43.74% | 17.07% | -2.32% | n/a | |
| Share Growth (YoY) | n/a | 58.82% | 51.49% | 17.12% | 5.22% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.13% | 1.36% | 1.46% | 1.84% | 3.08% | +95 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.19% | 1.43% | 3.92% | 3.77% | +272 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 | 93.62% | 93.12% | 101.92% | 94.14% | 86.90% | -671 bps | |
| Liquid Assets / Assets | 7.62% | 6.32% | 1.08% | 6.67% | 12.97% | +536 bps | |