Mission Hills, CA · Charter 10398
NCUA · 1 branch
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.01% | 0.04% | -0.25% | -0.02% | -0.08% | -0.10% | -16.22% | -1,597 bps | |
| Return on Equity | 0.10% | 0.07% | 0.22% | -1.41% | -0.09% | -0.44% | -0.63% | -131.02% | -12,960 bps | |
| Net Interest Margin | 2.67% | 2.64% | 2.57% | 2.65% | 2.71% | 2.64% | 2.51% | 2.33% | -32 bps | |
| Efficiency Ratio | 111.28% | 111.57% | 111.61% | 108.38% | 107.42% | 109.14% | 109.57% | 703% | +59,449 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.35% | 4.22% | 8.14% | 3.06% | 0.98% | 3.22% | 4.72% | 7.94% | +488 bps | |
| Loan Growth (YoY) | -5.21% | -2.98% | 1.66% | -1.55% | 2.45% | 4.13% | -9.99% | -8.67% | -713 bps | |
| Share Growth (YoY) | 4.37% | 5.11% | 10.63% | 4.53% | 1.47% | 3.95% | 5.80% | 9.26% | +473 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.03% | 0.09% | 0.05% | 0.05% | 3.34% | 3.78% | 0.68% | +62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.34% | 1.22% | 1.01% | 0.98% | 0.83% | 0.76% | 0.81% | 0.80% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.38% | 18.20% | 17.65% | 17.79% | 18.22% | 17.61% | 16.75% | 12.38% | -541 bps | |
| Net Worth / Assets | 18.38% | 18.20% | 17.65% | 17.79% | 18.22% | 17.61% | 16.75% | 12.38% | -541 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.67% | 84.19% | 83.34% | 83.93% | 86.50% | 84.33% | 70.90% | 70.15% | -1,378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |