San Jose, CA · Charter 21052
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 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.
San Jose, CA · Charter 21052
NCUA
Q1 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.46% | -1.32% | -11.04% | -17.98% | -5.53% | -407 bps | |
| Return on Equity | -7.02% | -6.28% | -11.07% | -18.99% | -5.53% | +150 bps | |
| Net Interest Margin | 1.06% | 1.11% | 3.28% | 2.95% | 0.77% | -29 bps | |
| Efficiency Ratio | 236% | 218% | 434% | 705% | 1093% | +85,660 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.08% | -11.26% | -82.34% | -81.90% | -82.48% | -7,240 bps | |
| Loan Growth (YoY) | -8.28% | -6.93% | -36.85% | -43.75% | -100.00% | -9,172 bps | |
| Share Growth (YoY) | -11.74% | -13.19% | -99.94% | -100.00% | -100.00% | -8,826 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 1.59% | 1.39% | 2.47% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.51% | 3.66% | 5.72% | 6.47% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 20.77% | 20.95% | 99.74% | 94.67% | 99.99% | +7,922 bps | |
| Net Worth / Assets | 20.77% | 20.95% | 99.74% | 94.67% | 99.99% | +7,922 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.79% | 14.83% | 14832% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |