Miami, FL · Charter 2149
NCUA · 6 branches
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.09% | -0.73% | -0.52% | -0.26% | 0.00% | -0.32% | -0.27% | +25 bps | |
| Return on Equity | -0.37% | -0.56% | -4.92% | -3.35% | -1.63% | 0.03% | -1.97% | -1.68% | +168 bps | |
| Net Interest Margin | 2.21% | 2.21% | 2.10% | 2.29% | 2.34% | 2.39% | 2.32% | 2.32% | +3 bps | |
| Efficiency Ratio | 98.36% | 97.87% | 105.53% | 97.91% | 94.68% | 92.36% | 90.43% | 91.69% | -622 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | 2.06% | 2.71% | -2.78% | -2.45% | -5.02% | -6.30% | -3.06% | -28 bps | |
| Loan Growth (YoY) | 18.87% | 17.28% | 14.56% | 4.16% | -2.45% | -3.91% | -2.99% | -11.09% | -1,525 bps | |
| Share Growth (YoY) | 0.08% | 2.57% | 3.67% | -2.77% | -1.62% | -5.96% | -7.45% | -3.69% | -92 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 1.66% | 1.40% | 0.43% | 0.74% | 0.89% | 0.73% | 0.88% | +46 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 | 0.69% | 0.74% | 0.91% | 1.08% | 1.09% | 0.97% | 1.29% | 1.33% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.59% | 15.51% | 14.94% | 15.51% | 15.74% | 16.34% | 16.06% | 16.13% | +63 bps | |
| Net Worth / Assets | 15.59% | 15.51% | 14.94% | 15.51% | 15.74% | 16.34% | 16.06% | 16.13% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.89% | 39.05% | 35.94% | 38.96% | 39.56% | 39.91% | 37.67% | 35.96% | -299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |