Bayamon, PR · Charter 21773
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Bayamon, PR · Charter 21773
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.30% | -3.68% | -3.45% | -8.38% | -520% | -51,933 bps | |
| Return on Equity | -1.61% | -21.56% | -21.15% | -56.78% | n/a | n/a | |
| Net Interest Margin | 2.53% | 2.99% | 1.72% | 3.53% | 204% | +20,130 bps | |
| Efficiency Ratio | 108.90% | 198.11% | 292% | 336% | 212% | +10,305 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.64% | -12.89% | -12.92% | -20.75% | -99.09% | -9,345 bps | |
| Loan Growth (YoY) | 0.20% | -18.11% | -36.29% | -67.42% | -100.00% | -10,020 bps | |
| Share Growth (YoY) | -7.11% | -12.03% | -10.92% | -20.63% | -100.00% | -9,289 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 19.87% | 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 |
| Allowance / Loans | 20.69% | 9.23% | 10.94% | 20.57% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 18.74% | 17.08% | 16.32% | 14.75% | 0.00% | -1,874 bps | |
| Net Worth / Assets | 18.74% | 17.08% | 16.32% | 14.75% | 0.00% | -1,874 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.69% | 32.64% | 27.88% | 16.74% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |