Montrose, CA · Charter 2170
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 | 0.84% | 0.79% | 0.80% | 0.80% | 0.87% | +4 bps | |
| Return on Equity | 6.74% | 6.29% | 6.24% | 6.15% | 6.83% | +8 bps | |
| Net Interest Margin | 1.53% | 1.49% | 1.50% | 1.50% | 1.59% | +5 bps | |
| Efficiency Ratio | 53.17% | 55.25% | 54.91% | 54.80% | 52.21% | -96 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.76% | 2.50% | 2.33% | 1.34% | 3.45% | +269 bps | |
| Loan Growth (YoY) | 11.98% | 8.22% | 12.55% | 40.18% | 59.78% | +4,779 bps | |
| Share Growth (YoY) | 0.05% | 1.83% | 1.91% | 0.55% | 2.89% | +284 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.21% | 0.34% | 0.25% | 0.18% | +11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.69% | 0.64% | 0.45% | 0.38% | -32 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.41% | 12.49% | 12.75% | 13.00% | 12.78% | +37 bps | |
| Net Worth / Assets | 12.41% | 12.49% | 12.75% | 13.00% | 12.78% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.82% | 14.72% | 16.14% | 22.19% | 23.02% | +820 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |