Modesto, CA · Charter 7236
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Modesto, CA · Charter 7236
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.37% | 4.36% | 5.18% | 3.99% | 3.15% | -121 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.05% | 6.99% | 3.46% | 4.41% | -2.89% | -1,194 bps | |
| Loan Growth (YoY) | 8.74% | 7.45% | 12.64% | 12.15% | 6.85% | -189 bps | |
| Share Growth (YoY) | 9.80% | 8.12% | 4.31% | 4.49% | -3.19% | -1,299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.35% | 4.50% | 4.96% | 3.72% | 0.89% | -146 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.92% | 2.27% | 1.85% | 2.60% | +153 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.69% | 40.93% | 44.05% | 43.46% | 44.91% | +422 bps | |
| Liquid Assets / Assets | 21.38% | 20.81% | 19.95% | 23.77% | 28.39% | +701 bps | |