Rancho Domingue, CA · Charter 11194
NCUA · 3 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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.
Rancho Domingue, CA · Charter 11194
NCUA · 3 branches
Q2 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.89% | -0.40% | 0.34% | 0.85% | 0.82% | 1.09% | 0.14% | -7.46% | -831 bps | |
| Return on Equity | -5.11% | -2.31% | 2.04% | 5.03% | 4.61% | 6.04% | 0.77% | -52.16% | -5,719 bps | |
| Net Interest Margin | 2.95% | 3.24% | 4.22% | 4.44% | 4.67% | 4.70% | 4.48% | 4.47% | +4 bps | |
| Efficiency Ratio | 98.58% | 92.45% | 83.54% | 75.74% | 76.75% | 74.32% | 77.04% | 199.22% | +12,348 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.85% | 3.29% | 8.88% | 9.21% | 3.47% | 3.35% | -1.42% | -2.35% | -1,156 bps | |
| Loan Growth (YoY) | 53.77% | 94.21% | 109.12% | 103.75% | 49.61% | 7.33% | -3.91% | -12.60% | -11,635 bps | |
| Share Growth (YoY) | 1.26% | 4.71% | 11.52% | 11.03% | 2.97% | 2.40% | -2.55% | 0.68% | -1,035 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.89% | 1.46% | 1.95% | 1.74% | 1.10% | 1.30% | 7.13% | +518 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 | 1.26% | 0.89% | 0.83% | 0.87% | 0.79% | 0.79% | 0.99% | 1.37% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.41% | 17.46% | 16.58% | 16.96% | 17.69% | 17.98% | 17.84% | 14.30% | -267 bps | |
| Net Worth / Assets | 17.41% | 17.46% | 16.58% | 16.96% | 17.69% | 17.98% | 17.84% | 14.30% | -267 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.62% | 72.99% | 72.44% | 76.14% | 79.36% | 76.51% | 71.43% | 66.10% | -1,004 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |