Rancho Domingue, CA · Charter 11194
NCUA · 3 branches
Q2 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 0.82% | 1.09% | 0.14% | -7.46% | -831 bps | |
| Return on Equity | 5.03% | 4.61% | 6.04% | 0.77% | -52.16% | -5,719 bps | |
| Net Interest Margin | 4.44% | 4.67% | 4.70% | 4.48% | 4.47% | +4 bps | |
| Efficiency Ratio | 75.74% | 76.75% | 74.32% | 77.04% | 199.22% | +12,348 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.21% | 3.47% | 3.35% | -1.42% | -2.35% | -1,156 bps | |
| Loan Growth (YoY) | 103.75% | 49.61% | 7.33% | -3.91% | -12.60% | -11,635 bps | |
| Share Growth (YoY) | 11.03% | 2.97% | 2.40% | -2.55% | 0.68% | -1,035 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.87% | 0.79% | 0.79% | 0.99% | 1.37% | +50 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.96% | 17.69% | 17.98% | 17.84% | 14.30% | -267 bps | |
| Net Worth / Assets | 16.96% | 17.69% | 17.98% | 17.84% | 14.30% | -267 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |