Anaheim, CA · Charter 15030
Q3 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.96% | -0.94% | -0.33% | -0.40% | -0.31% | +65 bps | |
| Return on Equity | -3.99% | -3.92% | -1.39% | -1.72% | -1.36% | +263 bps | |
| Net Interest Margin | 2.21% | 2.20% | 1.96% | 1.83% | 1.86% | -35 bps | |
| Efficiency Ratio | 138.32% | 131.66% | 115.07% | 119.42% | 114.85% | -2,347 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.77% | -10.00% | -11.50% | -4.12% | 3.99% | +1,576 bps | |
| Loan Growth (YoY) | -18.56% | -20.17% | -21.15% | -20.81% | -13.77% | +479 bps | |
| Share Growth (YoY) | -14.21% | -11.85% | -13.79% | -4.38% | 5.87% | +2,008 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.50% | 1.72% | 1.02% | 1.66% | 0.19% | -231 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.37% | 2.62% | 2.02% | 1.57% | 1.43% | -93 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.05% | 24.03% | 23.74% | 23.16% | 22.69% | -136 bps | |
| Net Worth / Assets | 24.05% | 24.03% | 23.74% | 23.16% | 22.69% | -136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.43% | 33.27% | 31.10% | 29.37% | 28.04% | -639 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |