Fullerton, CA · Charter 60847
NCUA · 3 branches
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.48% | 0.65% | 0.67% | 0.53% | 0.28% | 0.42% | 0.52% | -15 bps | |
| Return on Equity | 4.07% | 3.29% | 4.33% | 4.58% | 3.52% | 1.83% | 2.72% | 3.29% | -129 bps | |
| Net Interest Margin | 3.01% | 3.13% | 3.16% | 3.05% | 3.10% | 3.05% | 3.13% | 3.19% | +14 bps | |
| Efficiency Ratio | 81.36% | 80.41% | 78.55% | 77.17% | 77.03% | 82.75% | 80.70% | 79.91% | +274 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.31% | 0.72% | -1.71% | 2.24% | 1.11% | -0.69% | -0.48% | -5.35% | -759 bps | |
| Loan Growth (YoY) | 22.36% | 15.08% | 12.05% | 8.49% | 1.08% | -0.46% | -3.17% | -6.61% | -1,511 bps | |
| Share Growth (YoY) | 2.42% | 0.29% | -3.06% | 0.78% | 0.23% | -0.26% | -1.15% | -5.78% | -656 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.04% | 1.24% | 1.23% | 1.04% | 0.30% | 0.22% | 0.31% | -92 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 | 1.23% | 1.19% | 1.11% | 1.05% | 1.17% | 1.14% | 1.10% | 1.05% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.68% | 14.70% | 15.11% | 14.69% | 15.04% | 15.28% | 15.61% | 15.93% | +124 bps | |
| Net Worth / Assets | 14.68% | 14.70% | 15.11% | 14.69% | 15.04% | 15.28% | 15.61% | 15.93% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.56% | 60.29% | 63.04% | 61.73% | 60.06% | 60.16% | 61.76% | 61.18% | -55 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |