El Segundo, CA · Charter 19176
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
El Segundo, CA · Charter 19176
Q4 2015
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | -0.58% | -0.60% | -0.50% | -2.91% | -227 bps | |
| Return on Equity | -5.18% | -4.86% | -4.89% | -3.90% | -27.75% | -2,257 bps | |
| Net Interest Margin | 1.73% | 1.75% | 1.83% | 1.96% | 0.94% | -79 bps | |
| Efficiency Ratio | 126.40% | 120.98% | 119.44% | 112.61% | 307% | +18,109 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.06% | -2.39% | -5.26% | -8.68% | -7.47% | -341 bps | |
| Loan Growth (YoY) | 10.89% | 10.29% | 16.38% | 7.39% | -2.55% | -1,344 bps | |
| Share Growth (YoY) | -4.39% | -6.10% | -6.58% | -8.69% | -7.18% | -280 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.29% | 0.22% | 0.22% | 0.24% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.32% | 0.27% | 0.46% | 0.43% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.40% | 12.04% | 12.22% | 12.89% | 10.49% | -191 bps | |
| Net Worth / Assets | 12.40% | 12.04% | 12.22% | 12.89% | 10.49% | -191 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.96% | 33.52% | 35.13% | 34.38% | 34.61% | +164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |