Wilmington, CA · Charter 24052
NCUA · 1 branch
Q2 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.09% | 0.04% | 0.06% | 0.04% | 0.05% | 0.03% | 0.02% | -4 bps | |
| Return on Equity | 0.48% | 0.76% | 0.40% | 0.56% | 0.41% | 0.43% | 0.25% | 0.20% | -35 bps | |
| Net Interest Margin | 5.95% | 5.92% | 5.20% | 5.14% | 5.20% | 5.08% | 4.58% | 4.49% | -65 bps | |
| Efficiency Ratio | 95.82% | 95.60% | 97.78% | 97.35% | 97.55% | 97.47% | 97.52% | 97.90% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.82% | -3.88% | 2.70% | 6.17% | 5.49% | 7.37% | 2.96% | 1.05% | -512 bps | |
| Loan Growth (YoY) | -6.41% | -7.76% | -6.77% | -6.10% | -4.10% | 0.39% | -16.82% | -18.53% | -1,242 bps | |
| Share Growth (YoY) | -5.88% | -4.05% | 3.09% | 7.12% | 6.73% | 8.97% | 3.39% | 1.72% | -540 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 1.16% | 0.53% | 0.73% | 0.57% | 0.45% | 1.53% | 0.28% | -45 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 | 1.56% | 1.61% | 1.49% | 1.60% | 1.60% | 1.58% | 1.84% | 1.14% | -46 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.44% | 11.51% | 10.63% | 10.73% | 10.92% | 10.77% | 10.37% | 10.64% | -9 bps | |
| Net Worth / Assets | 11.44% | 11.51% | 10.63% | 10.73% | 10.92% | 10.77% | 10.37% | 10.64% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.29% | 82.76% | 73.19% | 73.34% | 75.74% | 76.24% | 58.88% | 58.75% | -1,460 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |