Martinez, CA · Charter 95087
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Martinez, CA · Charter 95087
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.40% | -0.33% | -0.44% | -2.84% | -278 bps | |
| Return on Equity | -0.70% | -4.61% | -3.74% | -5.19% | -35.06% | -3,436 bps | |
| Net Interest Margin | 2.42% | 2.43% | 2.52% | 2.23% | 2.46% | +4 bps | |
| Efficiency Ratio | 98.17% | 99.08% | 98.28% | 117.09% | 133.10% | +3,493 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.79% | 9.65% | 9.22% | 7.91% | -7.92% | -1,771 bps | |
| Loan Growth (YoY) | -19.82% | -20.95% | -18.77% | -23.52% | -24.05% | -423 bps | |
| Share Growth (YoY) | 10.88% | 11.06% | 10.53% | 9.28% | -7.01% | -1,789 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.37% | 3.89% | 4.68% | 6.23% | 2.56% | -281 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 1.28% | 1.52% | 1.11% | 1.28% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.92% | 8.63% | 8.82% | 8.54% | 8.11% | -81 bps | |
| Net Worth / Assets | 8.92% | 8.63% | 8.82% | 8.54% | 8.11% | -81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.54% | 39.71% | 38.46% | 34.76% | 34.74% | -779 bps | |
| Liquid Assets / Assets | 37.11% | 37.03% | 34.13% | 64.14% | 29.68% | -743 bps | |