Santa Ana, CA · Charter 21872
NCUA · 1 branch
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, 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.
Santa Ana, CA · Charter 21872
NCUA · 1 branch
Q4 2018
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.77% | 0.48% | 0.43% | 0.34% | +27 bps | |
| Return on Equity | 0.92% | 9.67% | 6.05% | 5.45% | 4.15% | +322 bps | |
| Net Interest Margin | 3.34% | 3.23% | 3.22% | 3.22% | 3.43% | +9 bps | |
| Efficiency Ratio | 92.60% | 82.99% | 86.29% | 87.41% | 89.89% | -271 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.41% | -2.13% | -0.94% | 1.99% | 0.33% | +174 bps | |
| Loan Growth (YoY) | 7.63% | 5.26% | -4.91% | -2.71% | 3.91% | -372 bps | |
| Share Growth (YoY) | -1.71% | -2.55% | -1.25% | 1.79% | -2.21% | -51 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.30% | 0.23% | 0.26% | 0.40% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.76% | 0.78% | 0.76% | 0.70% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.91% | 7.96% | 7.88% | 7.82% | 8.23% | +32 bps | |
| Net Worth / Assets | 7.91% | 7.96% | 7.88% | 7.82% | 8.23% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.04% | 56.93% | 56.67% | 56.26% | 62.74% | +370 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |