Redwood City, CA · Charter 20699
NCUA
Q1 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.44% | 0.37% | 0.20% | 0.33% | 0.25% | 0.19% | -0.25% | -44 bps | |
| Return on Equity | 5.65% | 4.78% | 4.05% | 2.22% | 3.62% | 2.72% | 2.18% | -2.86% | -508 bps | |
| Net Interest Margin | 2.47% | 2.56% | 2.56% | 2.52% | 2.59% | 2.55% | 2.41% | 2.44% | -9 bps | |
| Efficiency Ratio | 90.12% | 87.98% | 88.77% | 90.04% | 87.89% | 88.91% | 90.33% | 113.50% | +2,346 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.75% | -3.29% | -4.52% | -1.09% | -1.40% | 1.70% | 6.56% | 3.82% | +491 bps | |
| Loan Growth (YoY) | 7.61% | 9.70% | 12.90% | 9.85% | 5.52% | 7.29% | 9.34% | 10.59% | +74 bps | |
| Share Growth (YoY) | -2.84% | -4.06% | -5.48% | -1.58% | -1.26% | 1.57% | 4.74% | 3.89% | +547 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.97% | 0.54% | 0.55% | 0.36% | 0.29% | 0.44% | 0.41% | 0.34% | -1 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 | 0.73% | 0.82% | 0.78% | 0.73% | 0.70% | 0.75% | 0.68% | 0.58% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.75% | 9.10% | 9.12% | 8.89% | 9.15% | 9.18% | 8.75% | 8.65% | -25 bps | |
| Net Worth / Assets | 8.75% | 9.10% | 9.12% | 8.89% | 9.15% | 9.18% | 8.75% | 8.65% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.56% | 54.15% | 54.75% | 52.21% | 55.10% | 57.21% | 57.15% | 55.57% | +337 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |