Boca Raton, FL · Charter 19659
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 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.
Boca Raton, FL · Charter 19659
Q1 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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.74% | 0.75% | 0.85% | 0.87% | +14 bps | |
| Return on Equity | 7.85% | 7.86% | 7.83% | 8.45% | 8.73% | +89 bps | |
| Net Interest Margin | 2.86% | 2.84% | 2.85% | 2.93% | 2.97% | +11 bps | |
| Efficiency Ratio | 80.16% | 78.55% | 77.79% | 75.30% | 79.47% | -68 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.80% | 1.19% | 3.76% | 2.32% | 2.51% | +331 bps | |
| Loan Growth (YoY) | 0.71% | 3.49% | 6.15% | 9.73% | 13.88% | +1,317 bps | |
| Share Growth (YoY) | -1.43% | 0.32% | 2.57% | 1.42% | 1.73% | +316 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.28% | 1.21% | 1.18% | 0.79% | -45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.53% | 1.37% | 1.28% | 1.17% | 1.07% | -46 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.31% | 9.46% | 9.62% | 10.07% | 9.94% | +63 bps | |
| Net Worth / Assets | 9.31% | 9.46% | 9.62% | 10.07% | 9.94% | +63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.49% | 56.96% | 58.92% | 62.73% | 62.12% | +663 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |