Pleasanton, CA · Charter 68512
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 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.
Pleasanton, CA · Charter 68512
Q2 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.38% | -4.33% | -4.74% | -22.54% | -25.85% | -2,447 bps | |
| Return on Equity | -17.76% | -71.21% | -92.07% | n/a | n/a | n/a | |
| Net Interest Margin | 3.30% | 3.55% | 3.66% | 3.27% | 3.55% | +26 bps | |
| Efficiency Ratio | 115.63% | 116.73% | 120.69% | 120.14% | 125.38% | +975 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.70% | -9.83% | -16.36% | -19.29% | -25.36% | -2,266 bps | |
| Loan Growth (YoY) | -10.60% | -16.26% | -15.35% | -12.47% | -10.48% | +12 bps | |
| Share Growth (YoY) | -2.65% | -0.40% | -3.65% | -5.56% | -6.83% | -418 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.29% | 3.61% | 5.54% | 3.76% | 1.77% | -152 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 3.24% | 3.63% | 5.53% | 8.34% | +757 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.75% | 6.08% | 5.15% | -0.30% | -7.03% | -1,479 bps | |
| Net Worth / Assets | 7.75% | 6.08% | 5.15% | -0.30% | -7.03% | -1,479 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.58% | 84.42% | 90.19% | 85.30% | 84.15% | -343 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |