Laguna Niguel, CA · Charter 14631
NCUA · 2 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Laguna Niguel, CA · Charter 14631
NCUA · 2 branches
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.41% | -0.01% | 0.27% | -8.38% | -5.21% | -3.91% | 0.21% | -6 bps | |
| Return on Equity | 1.99% | 3.40% | -0.12% | 2.31% | -96.37% | -60.36% | -43.52% | 2.45% | +14 bps | |
| Net Interest Margin | 2.52% | 2.74% | 2.81% | 2.93% | 3.28% | 3.21% | 3.31% | 3.10% | +17 bps | |
| Efficiency Ratio | 92.69% | 86.26% | 87.70% | 92.63% | 93.66% | 89.27% | 88.79% | 92.72% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.78% | -3.60% | -4.71% | -2.07% | -9.67% | -5.81% | -7.63% | -4.89% | -283 bps | |
| Loan Growth (YoY) | -2.23% | 4.74% | 10.21% | 13.53% | 19.86% | 9.34% | 10.34% | 10.90% | -263 bps | |
| Share Growth (YoY) | -3.48% | -4.55% | -5.25% | -2.39% | -7.16% | -1.23% | -3.85% | -1.41% | +98 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 2.45% | 3.40% | 0.70% | 2.79% | 0.94% | 1.21% | 1.28% | +58 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 | 0.45% | 0.42% | 1.19% | 1.26% | 12.47% | 11.50% | 11.30% | 10.98% | +972 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.75% | 12.14% | 11.92% | 11.70% | 8.69% | 8.64% | 8.99% | 8.58% | -313 bps | |
| Net Worth / Assets | 11.75% | 12.14% | 11.92% | 11.70% | 8.69% | 8.64% | 8.99% | 8.58% | -313 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 32.41% | 35.64% | 36.86% | 36.14% | 41.84% | 39.46% | 42.30% | 40.66% | +451 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |