Chico, CA · Charter 61359
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Chico, CA · Charter 61359
Q4 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | -0.07% | 0.18% | 0.23% | 0.13% | -26 bps | |
| Return on Equity | 4.29% | -0.74% | 1.99% | 2.59% | 1.50% | -279 bps | |
| Net Interest Margin | 2.22% | 2.16% | 2.25% | 2.12% | 2.14% | -8 bps | |
| Efficiency Ratio | 87.03% | 101.93% | 91.63% | 90.98% | 93.48% | +645 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.92% | 1.56% | 1.58% | 5.04% | 3.66% | -127 bps | |
| Loan Growth (YoY) | -2.20% | 1.11% | 2.58% | 2.19% | 3.13% | +533 bps | |
| Share Growth (YoY) | 4.70% | 4.23% | 4.39% | 8.28% | 7.41% | +271 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.00% | 0.02% | 0.30% | 0.09% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.88% | 0.94% | 0.80% | 0.92% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.15% | 9.09% | 9.00% | 8.78% | 8.96% | -19 bps | |
| Net Worth / Assets | 9.15% | 9.09% | 9.00% | 8.78% | 8.96% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.31% | 29.84% | 30.25% | 29.34% | 29.10% | -121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |