Orange, CA · Charter 18565
NCUA · 2 branches
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Orange, CA · Charter 18565
NCUA · 2 branches
Q3 2016
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.32% | 0.34% | 0.36% | 0.22% | 0.50% | 0.28% | -2.65% | -301 bps | |
| Return on Equity | 5.23% | 4.19% | 4.56% | 4.65% | 2.96% | 6.70% | 3.71% | -49.26% | -5,391 bps | |
| Net Interest Margin | 2.64% | 2.62% | 2.56% | 2.61% | 2.54% | 2.55% | 2.51% | 2.00% | -61 bps | |
| Efficiency Ratio | 97.03% | 88.24% | 90.07% | 90.67% | 91.79% | 93.07% | 90.99% | 173.54% | +8,287 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.40% | -4.80% | -1.49% | 0.09% | 4.95% | 5.87% | 2.99% | 3.93% | +384 bps | |
| Loan Growth (YoY) | 2.55% | 5.03% | 6.05% | 3.64% | -0.47% | -4.46% | -6.95% | -10.55% | -1,420 bps | |
| Share Growth (YoY) | -0.98% | -4.20% | -1.03% | 0.02% | 5.36% | 6.86% | 4.01% | 5.39% | +537 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.07% | 0.12% | 0.17% | 0.21% | 0.30% | 1.96% | 2.03% | +186 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 | 1.34% | 1.30% | 1.25% | 1.20% | 1.32% | 1.13% | 1.24% | 1.36% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.57% | 7.62% | 7.48% | 7.70% | 7.43% | 7.47% | 7.44% | 5.38% | -232 bps | |
| Net Worth / Assets | 7.57% | 7.62% | 7.48% | 7.70% | 7.43% | 7.47% | 7.44% | 5.38% | -232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.27% | 42.84% | 41.36% | 41.94% | 40.87% | 38.30% | 37.00% | 35.59% | -634 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |