Penuelas, PR · Charter 11246
NCUA · 3 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Penuelas, PR · Charter 11246
NCUA · 3 branches
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | -0.20% | 0.21% | 0.47% | 0.54% | -0.24% | -0.08% | -0.09% | -56 bps | |
| Return on Equity | -4.59% | -2.09% | 2.15% | 4.77% | 5.34% | -2.62% | -0.86% | -1.06% | -583 bps | |
| Net Interest Margin | 4.03% | 4.07% | 3.60% | 3.54% | 3.58% | 3.42% | 2.90% | 2.99% | -55 bps | |
| Efficiency Ratio | 100.23% | 97.81% | 81.86% | 83.25% | 83.08% | 86.83% | 102.13% | 102.50% | +1,925 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | -3.53% | -2.13% | -2.88% | -3.68% | 1.78% | 3.27% | 5.40% | +829 bps | |
| Loan Growth (YoY) | -7.00% | -7.78% | -9.52% | -4.87% | -3.56% | -5.94% | -2.82% | -3.64% | +123 bps | |
| Share Growth (YoY) | 1.77% | -2.60% | -2.30% | -3.76% | -4.65% | 2.23% | 3.80% | 6.49% | +1,025 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 3.37% | 3.28% | 3.93% | 3.78% | 8.70% | 4.52% | 4.50% | +57 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 | 0.79% | 0.77% | 0.67% | 0.70% | 0.68% | 1.90% | 1.67% | 1.69% | +100 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.15% | 9.51% | 9.56% | 9.85% | 10.02% | 9.11% | 8.95% | 8.84% | -101 bps | |
| Net Worth / Assets | 9.15% | 9.51% | 9.56% | 9.85% | 10.02% | 9.11% | 8.95% | 8.84% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.20% | 57.39% | 55.15% | 57.03% | 56.85% | 52.80% | 51.63% | 51.61% | -543 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |