Oakland, CA · Charter 61125
NCUA · 1 branch
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.71% | -0.55% | -0.40% | -0.30% | -0.57% | -0.48% | -0.47% | -7 bps | |
| Return on Equity | -1.87% | -8.68% | -6.87% | -5.19% | -4.00% | -7.63% | -6.44% | -6.43% | -124 bps | |
| Net Interest Margin | 4.09% | 3.74% | 3.78% | 3.70% | 3.67% | 3.44% | 3.46% | 3.42% | -27 bps | |
| Efficiency Ratio | 106.37% | 116.44% | 114.10% | 110.36% | 107.72% | 115.82% | 113.26% | 112.79% | +242 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | 2.74% | 3.95% | 6.93% | 7.87% | 5.14% | 3.60% | 0.07% | -686 bps | |
| Loan Growth (YoY) | -10.16% | -8.39% | 2.75% | 12.67% | 7.99% | -0.62% | -5.93% | -9.38% | -2,205 bps | |
| Share Growth (YoY) | 0.46% | 3.34% | 4.83% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.10% | 0.11% | 0.06% | 0.06% | 0.07% | 0.06% | 0.05% | 0.05% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.46% | 8.14% | 7.97% | 7.65% | 7.54% | 7.46% | 7.41% | 7.28% | -36 bps | |
| Net Worth / Assets | 8.46% | 8.14% | 7.97% | 7.65% | 7.54% | 7.46% | 7.41% | 7.28% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.53% | 80.01% | 82.75% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |