Catano, PR · Charter 14600
NCUA · 1 branch
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 | 1.43% | 2.52% | 4.22% | 1.42% | 1.12% | -32 bps | |
| Return on Equity | 4.83% | 7.97% | 4.58% | 1.53% | 1.12% | -371 bps | |
| Net Interest Margin | 2.81% | 2.70% | 10.77% | 2.14% | 1.99% | -83 bps | |
| Efficiency Ratio | 50.07% | 54.76% | 96.08% | 33.76% | 43.68% | -638 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.82% | -2.28% | -79.40% | -80.43% | -81.59% | -8,242 bps | |
| Loan Growth (YoY) | -18.32% | -23.01% | -80.75% | -84.72% | -89.12% | -7,080 bps | |
| Share Growth (YoY) | 1.34% | -4.11% | -97.69% | -97.96% | -100.00% | -10,134 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 3.88% | 0.00% | 0.00% | 0.00% | 0.00% | -388 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.72% | 31.54% | 92.13% | 92.62% | 100.00% | +7,028 bps | |
| Net Worth / Assets | 29.72% | 31.54% | 92.13% | 92.62% | 100.00% | +7,028 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.59% | 24.30% | 247% | 189.88% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |