San Fernando, CA · Charter 21417
NCUA · 2 branches
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, 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 Fernando, CA · Charter 21417
NCUA · 2 branches
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.31% | -0.36% | -1.39% | -1.48% | -1.93% | -1.74% | -1.70% | -2.68% | -120 bps | |
| Return on Equity | -14.37% | -3.71% | -14.71% | -16.37% | -22.78% | -21.44% | -21.73% | -24.00% | -763 bps | |
| Net Interest Margin | 1.18% | 1.54% | 0.78% | 0.84% | 0.64% | 1.03% | 0.98% | 1.40% | +56 bps | |
| Efficiency Ratio | 181.23% | 115.49% | 199.24% | 203% | 272% | 213% | 237% | 259% | +5,580 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.06% | -20.76% | -21.42% | -20.76% | -12.77% | -7.19% | -5.11% | -37.33% | -1,657 bps | |
| Loan Growth (YoY) | -47.91% | -52.73% | -65.94% | -70.44% | -68.07% | -77.74% | -85.52% | -100.00% | -2,956 bps | |
| Share Growth (YoY) | 11.84% | -21.95% | -22.37% | -21.29% | -12.20% | -5.49% | -3.31% | -38.85% | -1,757 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| 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 | 19.75% | 24.40% | 47.36% | 65.68% | 81.50% | 146.86% | 374% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 9.09% | 9.66% | 9.43% | 9.02% | 8.49% | 8.12% | 7.84% | 11.15% | +213 bps | |
| Net Worth / Assets | 9.09% | 9.66% | 9.43% | 9.02% | 8.49% | 8.12% | 7.84% | 11.15% | +213 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 10.13% | 8.86% | 5.76% | 4.31% | 3.68% | 2.09% | 0.86% | 0.00% | -431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |