Santa Ana, CA · Charter 21872
NCUA · 1 branch
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.22% | 0.01% | 0.07% | 0.77% | 0.48% | 0.43% | 0.34% | +27 bps | |
| Return on Equity | -3.31% | -3.00% | 0.19% | 0.92% | 9.67% | 6.05% | 5.45% | 4.15% | +322 bps | |
| Net Interest Margin | 3.07% | 3.13% | 3.23% | 3.34% | 3.23% | 3.22% | 3.22% | 3.43% | +9 bps | |
| Efficiency Ratio | 94.32% | 92.90% | 91.44% | 92.60% | 82.99% | 86.29% | 87.41% | 89.89% | -271 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.12% | 2.50% | -0.22% | -1.41% | -2.13% | -0.94% | 1.99% | 0.33% | +174 bps | |
| Loan Growth (YoY) | 7.76% | 17.84% | 15.48% | 7.63% | 5.26% | -4.91% | -2.71% | 3.91% | -372 bps | |
| Share Growth (YoY) | 2.53% | 2.81% | -0.20% | -1.71% | -2.55% | -1.25% | 1.79% | -2.21% | -51 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.59% | 0.25% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.88% | 0.75% | 0.77% | 0.76% | 0.78% | 0.76% | 0.70% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.47% | 7.39% | 7.59% | 7.91% | 7.96% | 7.88% | 7.82% | 8.23% | +32 bps | |
| Net Worth / Assets | 7.47% | 7.39% | 7.59% | 7.91% | 7.96% | 7.88% | 7.82% | 8.23% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.71% | 58.85% | 58.86% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |