San Diego, CA · Charter 68341
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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 Diego, CA · Charter 68341
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.53% | 0.57% | 0.52% | 0.54% | -2 bps | |
| Return on Equity | 5.20% | 4.84% | 5.04% | 4.90% | 5.14% | -6 bps | |
| Net Interest Margin | 2.98% | 3.00% | 3.13% | 2.94% | 3.05% | +7 bps | |
| Efficiency Ratio | 71.29% | 71.82% | 70.60% | 70.69% | 68.07% | -322 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.57% | 1.48% | 1.16% | 7.31% | 8.04% | +547 bps | |
| Loan Growth (YoY) | 12.30% | 10.86% | 9.44% | 4.40% | 1.19% | -1,111 bps | |
| Share Growth (YoY) | 1.60% | -0.18% | 2.07% | 3.80% | 3.59% | +199 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.50% | 0.96% | 0.95% | 1.16% | +55 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.36% | 0.42% | 0.41% | 0.53% | +20 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.71% | 10.90% | 11.31% | 10.69% | 10.41% | -29 bps | |
| Net Worth / Assets | 10.71% | 10.90% | 11.31% | 10.69% | 10.41% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.79% | 86.37% | 89.38% | 86.98% | 81.86% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |