Oceanside, CA · Charter 24687
NCUA
Q1 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.76% | 0.58% | -0.17% | -0.67% | -0.90% | -1.03% | -3.77% | -360 bps | |
| Return on Equity | 5.82% | 5.73% | 4.00% | -1.24% | -5.07% | -8.31% | -9.57% | -24.16% | -2,292 bps | |
| Net Interest Margin | 5.26% | 5.45% | 5.97% | 5.19% | 5.15% | 5.40% | 5.36% | 7.75% | +256 bps | |
| Efficiency Ratio | 89.38% | 87.38% | 90.76% | 102.84% | 107.56% | 112.32% | 115.38% | 115.51% | +1,266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.03% | -1.25% | -10.84% | -7.83% | -10.74% | -9.97% | -2.53% | -38.55% | -3,073 bps | |
| Loan Growth (YoY) | 9.79% | -8.06% | -5.84% | -11.37% | -10.87% | -16.81% | -19.58% | -15.31% | -394 bps | |
| Share Growth (YoY) | 6.41% | -2.61% | -13.55% | -9.04% | -11.75% | -6.27% | 3.07% | -39.05% | -3,001 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.79% | 0.00% | 0.00% | 0.06% | 0.00% | 1.74% | 0.68% | +68 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 | 1.50% | 1.74% | 1.34% | 1.50% | 1.64% | 1.80% | 1.98% | 1.48% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.56% | 13.18% | 14.52% | 14.05% | 13.31% | 10.87% | 10.76% | 15.62% | +157 bps | |
| Net Worth / Assets | 12.56% | 13.18% | 14.52% | 14.05% | 13.31% | 10.87% | 10.76% | 15.62% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.25% | 61.14% | 65.45% | 56.45% | 59.84% | 54.26% | 51.06% | 78.45% | +2,199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |