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St. Anselms

San Anselmo, CA · Charter 7090

Q2 1999

$177KAssets
$94KLoans
$138KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.29%, up 34 bps year over year.
  • Asset quality: problem loans at 10.54% of loans (-302 bps YoY).
  • Funding: loans stand at 68.02% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.29%+34 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.95%2.48%3.66%4.04%3.29%+34 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-1.04%5.62%6.39%-13.07%-8.79%-776 bps
Loan Growth (YoY)-3.37%7.92%64.52%21.28%-11.73%-836 bps
Share Growth (YoY)-1.81%6.53%7.74%-16.50%-11.55%-974 bps
Asset Quality
Delinquent Loans / Loans13.56%12.41%5.98%10.71%10.54%-302 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.70%7.31%6.09%7.08%8.77%+107 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares68.16%65.84%80.52%81.10%68.02%-14 bps
Liquid Assets / Assets39.54%48.35%30.11%34.29%40.83%+129 bps