Pleasanton, CA · Charter 68509
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Pleasanton, CA · Charter 68509
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | -0.38% | -0.40% | 0.79% | 0.56% | +58 bps | |
| Return on Equity | -0.17% | -3.30% | -5.88% | 8.92% | 6.52% | +669 bps | |
| Net Interest Margin | 3.39% | 3.51% | 2.31% | 2.87% | 2.82% | -57 bps | |
| Efficiency Ratio | 86.11% | 84.95% | 81.75% | 60.29% | 65.39% | -2,073 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.72% | 9.02% | 50.47% | 18.98% | 23.40% | +1,468 bps | |
| Loan Growth (YoY) | -3.55% | -6.70% | -8.03% | -12.04% | -8.96% | -542 bps | |
| Share Growth (YoY) | 10.03% | 11.00% | 60.10% | 23.19% | 27.24% | +1,721 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.65% | 0.62% | 0.77% | 1.15% | +69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.90% | 1.07% | 1.15% | 1.15% | +80 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.79% | 11.63% | 6.71% | 8.86% | 8.64% | -315 bps | |
| Net Worth / Assets | 11.79% | 11.63% | 6.71% | 8.86% | 8.64% | -315 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.84% | 88.61% | 53.18% | 63.09% | 64.28% | -2,556 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |