Oakland, CA · Charter 61125
NCUA · 1 branch
Q3 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | -0.30% | -0.57% | -0.48% | -0.47% | -7 bps | |
| Return on Equity | -5.19% | -4.00% | -7.63% | -6.44% | -6.43% | -124 bps | |
| Net Interest Margin | 3.70% | 3.67% | 3.44% | 3.46% | 3.42% | -27 bps | |
| Efficiency Ratio | 110.36% | 107.72% | 115.82% | 113.26% | 112.79% | +242 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.93% | 7.87% | 5.14% | 3.60% | 0.07% | -686 bps | |
| Loan Growth (YoY) | 12.67% | 7.99% | -0.62% | -5.93% | -9.38% | -2,205 bps | |
| Share Growth (YoY) | 8.03% | 9.04% | 5.95% | 4.34% | 0.62% | -741 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.06% | 0.07% | 0.06% | 0.05% | 0.05% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.65% | 7.54% | 7.46% | 7.41% | 7.28% | -36 bps | |
| Net Worth / Assets | 7.65% | 7.54% | 7.46% | 7.41% | 7.28% | -36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.59% | 77.76% | 75.05% | 74.60% | 74.38% | -820 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |