Oakland, CA · Charter 21263
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Oakland, CA · Charter 21263
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.97% | -19.96% | 32.94% | 21.11% | 5257% | +526,690 bps | |
| Return on Equity | -21.37% | -32.05% | 39.10% | 21.11% | 5257% | +527,829 bps | |
| Net Interest Margin | 4.37% | 3.64% | 3.13% | 2.59% | 665% | +66,024 bps | |
| Efficiency Ratio | 314% | 649% | 604% | 776% | 799% | +48,505 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -68.77% | -78.55% | -78.15% | -82.05% | -99.84% | -3,107 bps | |
| Loan Growth (YoY) | -19.08% | -55.30% | -100.00% | -100.00% | -100.00% | -8,092 bps | |
| Share Growth (YoY) | -79.75% | -90.25% | -95.86% | -100.00% | -100.00% | -2,025 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 85.99% | 100.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 38.05% | 66.41% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 46.69% | 62.28% | 84.26% | 100.00% | 100.00% | +5,331 bps | |
| Net Worth / Assets | 46.69% | 62.28% | 84.26% | 100.00% | 100.00% | +5,331 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.10% | 96.96% | 0.00% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |