Taft, CA · Charter 60996
NCUA · 4 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Taft, CA · Charter 60996
NCUA · 4 branches
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.49% | 0.36% | 0.22% | -0.02% | 0.00% | 0.09% | 0.02% | -20 bps | |
| Return on Equity | 1.58% | 4.46% | 3.20% | 1.96% | -0.19% | 0.02% | 0.80% | 0.16% | -180 bps | |
| Net Interest Margin | 3.29% | 3.37% | 3.41% | 3.41% | 3.56% | 3.55% | 3.62% | 3.73% | +31 bps | |
| Efficiency Ratio | 88.49% | 87.42% | 87.16% | 85.42% | 85.45% | 84.87% | 83.37% | 82.73% | -269 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.05% | 0.95% | 2.09% | 2.72% | -0.53% | 3.21% | 2.78% | -1.21% | -392 bps | |
| Loan Growth (YoY) | -2.17% | -6.44% | -9.15% | -4.49% | 0.66% | 3.35% | 4.25% | -0.54% | +395 bps | |
| Share Growth (YoY) | 0.65% | 1.81% | 1.93% | 2.31% | -2.23% | 1.68% | 3.15% | -0.72% | -303 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.39% | 0.56% | 0.62% | 0.49% | 0.55% | 0.67% | 0.68% | +6 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 | 1.42% | 1.40% | 1.30% | 1.39% | 1.55% | 1.58% | 1.65% | 1.89% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.47% | 11.01% | 11.15% | 11.03% | 10.68% | 10.64% | 10.87% | 11.18% | +15 bps | |
| Net Worth / Assets | 10.47% | 11.01% | 11.15% | 11.03% | 10.68% | 10.64% | 10.87% | 11.18% | +15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.89% | 60.69% | 60.50% | 62.07% | 61.66% | 61.69% | 61.15% | 62.19% | +12 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |