Salinas, CA · Charter 13090
NCUA · 1 branch
Q4 2018
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.33% | 0.51% | 0.47% | 0.55% | -1 bps | |
| Return on Equity | 7.42% | 4.57% | 6.91% | 6.40% | 7.13% | -29 bps | |
| Net Interest Margin | 2.72% | 2.74% | 2.95% | 2.96% | 3.05% | +34 bps | |
| Efficiency Ratio | 89.27% | 93.41% | 88.49% | 89.51% | 88.78% | -49 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.08% | 3.59% | 5.34% | 6.85% | 6.01% | +293 bps | |
| Loan Growth (YoY) | -0.20% | -1.65% | 0.63% | 6.62% | 11.17% | +1,138 bps | |
| Share Growth (YoY) | 2.52% | 2.79% | 4.78% | 6.86% | 6.25% | +373 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.14% | 0.18% | 0.14% | 0.20% | +8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.12% | 0.12% | 0.23% | 0.13% | 0.12% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.53% | 7.24% | 7.43% | 7.38% | 7.65% | +12 bps | |
| Net Worth / Assets | 7.53% | 7.24% | 7.43% | 7.38% | 7.65% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.42% | 44.62% | 47.08% | 48.96% | 50.67% | +224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |