Stockton, CA · Charter 60356
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Stockton, CA · Charter 60356
NCUA · 1 branch
Q4 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.32% | 0.43% | 0.35% | 0.31% | -20 bps | |
| Return on Equity | 4.03% | 2.58% | 3.45% | 2.93% | 2.61% | -143 bps | |
| Net Interest Margin | 2.22% | 2.27% | 2.23% | 2.15% | 2.17% | -5 bps | |
| Efficiency Ratio | 88.34% | 90.64% | 86.76% | 87.55% | 86.91% | -143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.50% | 1.01% | 3.12% | 6.08% | 8.97% | +747 bps | |
| Loan Growth (YoY) | 24.24% | 25.34% | 13.29% | 7.41% | 4.25% | -2,000 bps | |
| Share Growth (YoY) | 0.74% | 0.54% | 3.29% | 6.07% | 11.12% | +1,039 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 0.78% | 0.57% | 0.63% | 0.51% | -37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.48% | 0.35% | 0.51% | 0.64% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.54% | 12.53% | 12.35% | 11.84% | 11.82% | -72 bps | |
| Net Worth / Assets | 12.54% | 12.53% | 12.35% | 11.84% | 11.82% | -72 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.76% | 28.85% | 32.69% | 29.91% | 27.92% | -184 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |