Scottsdale, AZ · Charter 20214
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.
Scottsdale, AZ · Charter 20214
NCUA · 2 branches
Q3 2016
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.77% | -0.01% | 0.74% | 0.34% | -48 bps | |
| Return on Equity | 9.32% | 8.74% | -0.06% | 7.70% | 3.50% | -582 bps | |
| Net Interest Margin | 3.60% | 3.56% | 3.61% | 3.76% | 3.82% | +22 bps | |
| Efficiency Ratio | 81.14% | 82.31% | 84.61% | 81.29% | 83.11% | +197 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.42% | 5.87% | -1.50% | -3.33% | -5.07% | -749 bps | |
| Loan Growth (YoY) | 0.83% | 2.42% | 1.72% | 3.81% | -2.20% | -303 bps | |
| Share Growth (YoY) | 0.52% | 2.20% | -2.29% | -4.50% | -4.67% | -519 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.08% | 0.06% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.18% | 1.18% | 1.18% | 1.23% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.80% | 8.86% | 8.96% | 9.62% | 9.71% | +90 bps | |
| Net Worth / Assets | 8.80% | 8.86% | 8.96% | 9.62% | 9.71% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.75% | 64.04% | 64.58% | 66.71% | 65.41% | +165 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |