Concord, CA · Charter 9321
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Concord, CA · Charter 9321
Q1 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.42% | 0.43% | -0.04% | -0.22% | -64 bps | |
| Return on Equity | 10.22% | 10.02% | 9.98% | -0.92% | -5.90% | -1,612 bps | |
| Net Interest Margin | 4.55% | 4.67% | 4.55% | 4.63% | 4.25% | -30 bps | |
| Efficiency Ratio | 68.36% | 72.37% | 73.14% | 76.55% | 65.50% | -286 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.12% | -15.10% | -12.87% | -5.12% | 2.35% | +1,846 bps | |
| Loan Growth (YoY) | -16.87% | -15.40% | -15.23% | -9.49% | -6.22% | +1,064 bps | |
| Share Growth (YoY) | -13.67% | -13.34% | -11.16% | -5.54% | 1.67% | +1,534 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.41% | 0.54% | 0.63% | 0.59% | 1.46% | -395 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.71% | 4.47% | 4.65% | 5.16% | 6.02% | +131 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.06% | 4.22% | 4.27% | 3.97% | 3.78% | -29 bps | |
| Net Worth / Assets | 4.06% | 4.22% | 4.27% | 3.97% | 3.78% | -29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.32% | 87.87% | 85.49% | 87.11% | 80.54% | -678 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |