PackageTrendsPeer
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Allied Trades

Stockton, CA · Charter 60356

NCUA · 1 branch

Q4 2017

$26.1MAssets
$6.4MLoans
$22.8MShares
$3.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.31%, down 20 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.51% of loans (-37 bps YoY).
  • Capital: net worth / assets of 11.82%, down 72 bps from a year ago.
  • Funding: loans stand at 27.92% of shares as of Q4 2017.

Financial Results

Return on Assets (quarter, annualized)

0.31%-20 bps YoY

Net Interest Margin (quarter, annualized)

2.17%-5 bps YoY

Efficiency Ratio (quarter, annualized)

86.91%-143 bps YoY

Net Worth / Assets

11.82%-72 bps YoY

Discrete quarter, annualized.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.51%0.32%0.43%0.35%0.31%-20 bps
Return on Equity4.03%2.58%3.45%2.93%2.61%-143 bps
Net Interest Margin2.22%2.27%2.23%2.15%2.17%-5 bps
Efficiency Ratio88.34%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 / Loans0.88%0.78%0.57%0.63%0.51%-37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.48%0.35%0.51%0.64%+14 bps
Capital
Risk-Based Capital12.54%12.53%12.35%11.84%11.82%-72 bps
Net Worth / Assets12.54%12.53%12.35%11.84%11.82%-72 bps
Liquidity & Funding
Loans / Shares29.76%28.85%32.69%29.91%27.92%-184 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps