Glendale, CA · Charter 886
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 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.
Glendale, CA · Charter 886
Q1 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.24% | 0.32% | 0.42% | 0.34% | +23 bps | |
| Return on Equity | 0.98% | 2.25% | 3.05% | 3.96% | 3.33% | +234 bps | |
| Net Interest Margin | 3.80% | 3.67% | 3.56% | 3.56% | 3.46% | -34 bps | |
| Efficiency Ratio | 95.88% | 93.78% | 92.16% | 90.09% | 92.13% | -375 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.81% | 12.26% | 14.54% | 13.73% | 13.75% | +394 bps | |
| Loan Growth (YoY) | 3.58% | 0.22% | -2.23% | -7.26% | -4.17% | -775 bps | |
| Share Growth (YoY) | 9.31% | 12.15% | 14.72% | 14.40% | 15.03% | +573 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.42% | 0.43% | 0.35% | 0.19% | -19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.51% | 1.40% | 1.27% | 1.22% | 1.10% | -41 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.95% | 10.73% | 10.45% | 10.49% | 10.09% | -87 bps | |
| Net Worth / Assets | 10.95% | 10.73% | 10.45% | 10.49% | 10.09% | -87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.60% | 62.62% | 60.42% | 56.55% | 53.81% | -1,078 bps | |
| Liquid Assets / Assets | 113.08% | 114.22% | 116.39% | 113.28% | 112.00% | -108 bps | |