Pomona, CA · Charter 95054
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.
Pomona, CA · Charter 95054
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | 0.70% | -0.07% | 0.44% | 0.46% | +23 bps | |
| Return on Equity | 2.22% | 7.28% | -0.68% | 4.60% | 4.77% | +255 bps | |
| Net Interest Margin | 4.31% | 4.79% | 4.29% | 4.12% | 4.02% | -29 bps | |
| Efficiency Ratio | 91.37% | 83.45% | 96.08% | 86.60% | 89.44% | -193 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.71% | 7.45% | 11.04% | 14.92% | 14.78% | +1,007 bps | |
| Loan Growth (YoY) | 1.72% | 3.83% | -12.34% | -9.93% | -13.02% | -1,474 bps | |
| Share Growth (YoY) | 5.18% | 8.01% | 12.04% | 16.07% | 13.81% | +863 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.95% | 0.27% | 1.39% | 0.21% | 0.30% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.38% | 1.73% | 0.39% | 0.55% | -63 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.35% | 9.64% | 10.08% | 9.46% | 9.69% | -66 bps | |
| Net Worth / Assets | 10.35% | 9.64% | 10.08% | 9.46% | 9.69% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.16% | 62.63% | 58.18% | 54.76% | 56.68% | -1,748 bps | |
| Liquid Assets / Assets | 26.35% | 20.52% | 24.76% | 21.37% | 10.68% | -1,568 bps | |