Palo Alto, CA · Charter 68506
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Palo Alto, CA · Charter 68506
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.25% | -0.90% | -0.98% | -0.22% | -0.06% | +119 bps | |
| Return on Equity | -16.49% | -11.58% | -12.42% | -2.71% | -0.79% | +1,570 bps | |
| Net Interest Margin | 3.77% | 3.85% | 3.95% | 3.76% | 3.68% | -9 bps | |
| Efficiency Ratio | 96.07% | 92.74% | 89.25% | 91.05% | 91.16% | -492 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.73% | -5.43% | -11.49% | -10.91% | -10.84% | -511 bps | |
| Loan Growth (YoY) | 0.57% | -2.47% | -12.61% | -17.11% | -18.52% | -1,910 bps | |
| Share Growth (YoY) | -4.15% | -4.35% | -5.90% | -10.29% | -8.44% | -429 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.69% | 1.74% | 0.81% | 0.68% | 0.75% | -94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.15% | 1.27% | 1.28% | 1.33% | 1.36% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.60% | 7.76% | 7.86% | 7.94% | 8.17% | +58 bps | |
| Net Worth / Assets | 7.60% | 7.76% | 7.86% | 7.94% | 8.17% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.98% | 95.55% | 90.87% | 89.49% | 83.64% | -1,035 bps | |
| Liquid Assets / Assets | 4.75% | 8.07% | 9.39% | 11.16% | 12.76% | +801 bps | |