PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Marquardt San Fernando Valley

Van Nuys, CA · Charter 7849

Q2 1998

$11.2MAssets
$5.9MLoans
$10.0MShares
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 3.37%, up 47 bps year over year.
  • Asset quality: problem loans at 1.45% of loans (+29 bps YoY).
  • Funding: loans stand at 59.23% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

3.37%+47 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets2.89%3.55%3.47%3.50%3.37%+47 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)-4.72%-3.54%5.34%6.13%-2.47%+224 bps
Loan Growth (YoY)5.84%16.92%16.97%19.02%2.10%-375 bps
Share Growth (YoY)-7.79%-6.52%2.90%4.31%-3.61%+417 bps
Asset Quality
Delinquent Loans / Loans1.16%0.79%1.09%1.58%1.45%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.72%2.63%2.82%2.71%2.52%-20 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 / Shares55.92%61.20%56.85%59.00%59.23%+331 bps
Liquid Assets / Assets19.00%15.66%16.60%16.33%21.66%+267 bps