Buena Park, CA · Charter 2016
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.
Buena Park, CA · Charter 2016
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 | 0.02% | 0.26% | -0.24% | -0.51% | -0.75% | -77 bps | |
| Return on Equity | 0.22% | 3.31% | -3.05% | -6.65% | -10.57% | -1,079 bps | |
| Net Interest Margin | 2.99% | 2.89% | 2.89% | 2.91% | 2.52% | -46 bps | |
| Efficiency Ratio | 102.42% | 103.69% | 115.29% | 120.81% | 127.28% | +2,486 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.66% | -3.61% | -3.77% | -1.71% | -1.74% | +292 bps | |
| Loan Growth (YoY) | 2.02% | 0.02% | -10.95% | -15.88% | -19.31% | -2,133 bps | |
| Share Growth (YoY) | -4.74% | -3.77% | -3.75% | -1.29% | -1.52% | +322 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.17% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.02% | 0.00% | 0.04% | 0.30% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.71% | 7.83% | 7.81% | 7.60% | 7.14% | -57 bps | |
| Net Worth / Assets | 7.71% | 7.83% | 7.81% | 7.60% | 7.14% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.32% | 46.94% | 42.97% | 42.20% | 37.96% | -837 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |