Victorville, CA · Charter 17164
NCUA · 1 branch
Q4 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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | -0.38% | -0.20% | -0.19% | -0.16% | 0.01% | -0.09% | -0.13% | +6 bps | |
| Return on Equity | -4.34% | -6.04% | -3.17% | -3.00% | -2.40% | 0.09% | -1.29% | -1.99% | +101 bps | |
| Net Interest Margin | 2.24% | 2.35% | 2.41% | 2.51% | 2.58% | 2.59% | 2.63% | 2.70% | +19 bps | |
| Efficiency Ratio | 109.54% | 106.89% | 102.01% | 102.35% | 104.79% | 102.07% | 102.57% | 102.83% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.47% | -4.36% | -0.18% | -0.27% | -3.59% | -2.69% | -4.46% | -5.36% | -509 bps | |
| Loan Growth (YoY) | 2.10% | 2.75% | -3.67% | 1.16% | -1.58% | -6.71% | 0.21% | 1.13% | -3 bps | |
| Share Growth (YoY) | 1.98% | -4.15% | 0.08% | -0.12% | -3.67% | -2.88% | -4.68% | -5.66% | -554 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 1.40% | 2.15% | 2.50% | 1.92% | 2.44% | 2.40% | 2.23% | -27 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 | 0.74% | 0.64% | 0.60% | 0.65% | 0.69% | 0.55% | 0.48% | 0.44% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.39% | 6.35% | 6.38% | 6.48% | 6.46% | 6.53% | 6.61% | 6.79% | +31 bps | |
| Net Worth / Assets | 6.39% | 6.35% | 6.38% | 6.48% | 6.46% | 6.53% | 6.61% | 6.79% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.20% | 22.04% | 22.02% | 22.33% | 21.65% | 21.17% | 23.15% | 23.94% | +161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |