Rancho Cordova, CA · Charter 8818
Q1 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1999, the quarter ended March 31, 1999, 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.
Rancho Cordova, CA · Charter 8818
Q1 1999
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 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.14% | 3.38% | 3.33% | 3.25% | 3.34% | +20 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) | 3.27% | 5.17% | 4.88% | 8.06% | 8.09% | +483 bps | |
| Loan Growth (YoY) | -5.58% | -5.23% | -3.16% | -19.59% | -14.14% | -855 bps | |
| Share Growth (YoY) | 2.78% | 4.96% | 4.96% | 7.11% | 6.86% | +408 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.25% | 0.94% | 0.67% | 0.70% | 0.57% | -68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.30% | 2.21% | 2.12% | 1.66% | 1.43% | -87 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 | 53.47% | 51.80% | 52.47% | 41.85% | 42.96% | -1,051 bps | |
| Liquid Assets / Assets | 21.60% | 22.64% | 20.91% | 25.36% | 21.92% | +32 bps | |