Hollywood, CA · Charter 12006
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.41% | -0.59% | -1.44% | -1.02% | -0.72% | 0.02% | 0.32% | -2.34% | -132 bps | |
| Return on Equity | -14.70% | -7.07% | -19.07% | -13.80% | -9.61% | 0.25% | 3.93% | -34.33% | -2,053 bps | |
| Net Interest Margin | 3.44% | 2.80% | 2.98% | 3.05% | 3.11% | 3.55% | 3.73% | 3.87% | +82 bps | |
| Efficiency Ratio | 115.03% | 118.67% | 105.15% | 101.24% | 99.55% | 99.55% | 92.65% | 129.32% | +2,808 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.34% | 10.02% | 11.65% | 16.61% | 17.33% | 2.24% | -6.68% | -12.95% | -2,956 bps | |
| Loan Growth (YoY) | -12.06% | 14.64% | 20.41% | 28.37% | 48.75% | 59.17% | 36.00% | 29.95% | +158 bps | |
| Share Growth (YoY) | -7.75% | 12.80% | 15.41% | 19.53% | 20.29% | 3.21% | -7.37% | -12.31% | -3,184 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.65% | 1.63% | 1.16% | 0.68% | 0.31% | 3.53% | 2.10% | +94 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 | 3.83% | 3.30% | 4.17% | 2.83% | 2.25% | 1.90% | 1.85% | 2.33% | -50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.63% | 8.30% | 7.57% | 7.40% | 7.48% | 7.54% | 8.27% | 6.81% | -59 bps | |
| Net Worth / Assets | 9.63% | 8.30% | 7.57% | 7.40% | 7.48% | 7.54% | 8.27% | 6.81% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.86% | 42.72% | 48.31% | 49.54% | 59.19% | 65.89% | 70.94% | 73.42% | +2,388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |