Hayward, CA · Charter 8664
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Hayward, CA · Charter 8664
Q3 2002
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.61% | 0.41% | 0.32% | 0.29% | -38 bps | |
| Return on Equity | 5.38% | 4.82% | 3.36% | 2.67% | 2.43% | -295 bps | |
| Net Interest Margin | 3.63% | 3.62% | 3.51% | 3.50% | 3.45% | -18 bps | |
| Efficiency Ratio | 80.96% | 82.44% | 87.43% | 89.71% | 90.71% | +975 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.39% | 6.38% | 6.98% | 7.97% | 6.41% | +102 bps | |
| Loan Growth (YoY) | 4.69% | 6.35% | 8.28% | 4.01% | 1.08% | -361 bps | |
| Share Growth (YoY) | 5.67% | 6.89% | 7.52% | 8.60% | 7.09% | +142 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.24% | 0.27% | 0.35% | 0.37% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.79% | 0.78% | 0.79% | 0.81% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.54% | 12.64% | 12.21% | 12.15% | 12.10% | -44 bps | |
| Net Worth / Assets | 12.54% | 12.64% | 12.21% | 12.15% | 12.10% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.21% | 80.17% | 77.57% | 75.56% | 72.88% | -433 bps | |
| Liquid Assets / Assets | 27.16% | 24.73% | 20.74% | 17.95% | 30.81% | +365 bps | |