PackageTrendsPeer
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Pomona Valley

Pomona, CA · Charter 95054

Q3 2002

$10.3MAssets
$5.1MLoans
$9.1MShares
$1.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.46%, up 23 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.30% of loans (-65 bps YoY).
  • Capital: net worth / assets of 9.69%, down 66 bps from a year ago.
  • Funding: loans stand at 56.68% of shares as of Q3 2002.

Financial Results

Return on Assets (quarter, annualized)

0.46%+23 bps YoY

Net Interest Margin (quarter, annualized)

4.02%-29 bps YoY

Efficiency Ratio (quarter, annualized)

89.44%-193 bps YoY

Net Worth / Assets

9.69%-66 bps YoY

Discrete quarter, annualized.

MetricQ4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.23%0.70%-0.07%0.44%0.46%+23 bps
Return on Equity2.22%7.28%-0.68%4.60%4.77%+255 bps
Net Interest Margin4.31%4.79%4.29%4.12%4.02%-29 bps
Efficiency Ratio91.37%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 / Loans0.95%0.27%1.39%0.21%0.30%-65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.17%1.38%1.73%0.39%0.55%-63 bps
Capital
Risk-Based Capital10.35%9.64%10.08%9.46%9.69%-66 bps
Net Worth / Assets10.35%9.64%10.08%9.46%9.69%-66 bps
Liquidity & Funding
Loans / Shares74.16%62.63%58.18%54.76%56.68%-1,748 bps
Liquid Assets / Assets26.35%20.52%24.76%21.37%10.68%-1,568 bps