Phoenix, AZ · Charter 3238
NCUA · 46 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Phoenix, AZ · Charter 3238
NCUA · 46 branches
Q1 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.47% | 1.45% | 1.40% | 1.16% | 0.65% | -83 bps | |
| Return on Equity | 11.02% | 10.65% | 10.10% | 8.50% | 5.12% | -591 bps | |
| Net Interest Margin | 2.51% | 2.55% | 2.55% | 2.49% | 2.13% | -38 bps | |
| Efficiency Ratio | 68.75% | 69.52% | 70.78% | 74.64% | 83.38% | +1,462 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.66% | 7.22% | 8.35% | 10.13% | 13.69% | +803 bps | |
| Loan Growth (YoY) | 10.25% | 10.85% | 10.26% | 9.98% | 7.77% | -248 bps | |
| Share Growth (YoY) | 5.72% | 5.53% | 7.22% | 9.23% | 9.69% | +397 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.21% | 0.26% | 0.25% | 0.25% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.68% | 0.64% | 0.65% | 0.64% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.36% | 13.59% | 13.86% | 13.66% | 12.65% | -71 bps | |
| Net Worth / Assets | 13.36% | 13.59% | 13.86% | 13.66% | 12.65% | -71 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.67% | 54.35% | 55.34% | 55.21% | 51.74% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |