San Diego, CA · Charter 97081
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
San Diego, CA · Charter 97081
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.12% | 0.18% | -5.00% | -3.31% | -337 bps | |
| Return on Equity | 0.60% | 1.28% | 1.78% | -58.68% | -38.39% | -3,899 bps | |
| Net Interest Margin | 3.34% | 3.41% | 3.61% | 3.49% | 3.84% | +51 bps | |
| Efficiency Ratio | 86.07% | 83.05% | 81.53% | 193.64% | 87.45% | +138 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.09% | -2.11% | -4.01% | -6.23% | -7.26% | -416 bps | |
| Loan Growth (YoY) | 1.93% | 0.14% | 1.79% | 2.54% | 0.93% | -99 bps | |
| Share Growth (YoY) | -3.20% | -2.21% | -5.54% | -5.81% | -6.37% | -317 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.09% | 0.95% | 2.33% | 0.95% | 1.30% | +21 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.85% | 0.86% | 1.25% | 2.26% | +144 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.40% | 9.57% | 10.18% | 8.52% | 8.63% | -77 bps | |
| Net Worth / Assets | 9.40% | 9.57% | 10.18% | 8.52% | 8.63% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.41% | 83.62% | 91.32% | 83.97% | 87.76% | +635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |