Miami, FL · Charter 11791
NCUA · 1 branch
Q3 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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.92% | -1.43% | -0.26% | -1.39% | -0.83% | 0.47% | -0.82% | -0.87% | +52 bps | |
| Return on Equity | -4.41% | -6.54% | -1.10% | -5.35% | -3.26% | 1.73% | -3.11% | -3.32% | +203 bps | |
| Net Interest Margin | 1.72% | 1.06% | 1.30% | 1.37% | 1.27% | 1.05% | 0.88% | 0.76% | -61 bps | |
| Efficiency Ratio | 145.90% | 195.09% | 115.42% | 173.73% | 148.17% | 64.13% | 168.33% | 182.71% | +898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.41% | -6.39% | -15.99% | -23.16% | -21.15% | -18.63% | -11.57% | -0.45% | +2,271 bps | |
| Loan Growth (YoY) | -38.62% | -32.69% | -37.66% | -32.97% | -41.13% | -46.15% | -57.38% | -53.71% | -2,073 bps | |
| Share Growth (YoY) | -8.60% | -7.67% | -19.61% | -28.08% | -25.70% | -23.23% | -13.94% | 0.93% | +2,901 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 6.48% | 7.04% | 7.53% | 8.53% | 11.01% | 13.08% | 17.66% | 18.43% | +990 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.84% | 21.90% | 23.73% | 25.89% | 25.60% | 27.23% | 26.32% | 26.16% | +27 bps | |
| Net Worth / Assets | 20.84% | 21.90% | 23.73% | 25.89% | 25.60% | 27.23% | 26.32% | 26.16% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.93% | 17.92% | 18.30% | 18.77% | 14.21% | 12.57% | 9.06% | 8.61% | -1,016 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |