Lomita, CA · Charter 5482
NCUA · 1 branch
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.54% | -0.27% | -0.40% | -0.46% | -0.56% | -0.70% | -0.97% | -0.82% | -37 bps | |
| Return on Equity | -4.52% | -2.23% | -3.35% | -3.90% | -4.97% | -6.37% | -8.92% | -7.65% | -375 bps | |
| Net Interest Margin | 2.38% | 2.51% | 2.46% | 2.45% | 2.38% | 2.36% | 2.46% | 2.47% | +2 bps | |
| Efficiency Ratio | 115.31% | 109.91% | 114.58% | 118.61% | 120.14% | 116.95% | 118.65% | 116.66% | -195 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.69% | -3.18% | -2.36% | -1.48% | -0.35% | 2.85% | 2.46% | 1.19% | +267 bps | |
| Loan Growth (YoY) | 6.33% | 3.37% | 1.03% | -2.61% | 2.38% | 4.11% | 3.43% | -2.48% | +13 bps | |
| Share Growth (YoY) | -5.01% | -2.81% | -2.21% | 0.84% | 3.96% | 3.86% | 3.76% | 2.23% | +139 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.17% | 0.73% | 0.31% | 0.22% | 0.20% | 0.18% | -55 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 | 1.41% | 1.42% | 1.39% | 1.24% | 1.28% | 1.33% | 1.53% | 1.63% | +39 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.84% | 12.01% | 12.02% | 11.74% | 11.31% | 11.01% | 10.88% | 10.76% | -98 bps | |
| Net Worth / Assets | 11.84% | 12.01% | 12.02% | 11.74% | 11.31% | 11.01% | 10.88% | 10.76% | -98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.97% | 44.40% | 44.94% | 44.67% | 45.27% | 44.50% | 44.79% | 42.61% | -206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |