Covina, CA · Charter 61487
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 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.
Covina, CA · Charter 61487
NCUA · 1 branch
Q3 2016
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.48% | -1.44% | -1.17% | -1.68% | -2.60% | -112 bps | |
| Return on Equity | -8.15% | -7.90% | -6.68% | -9.43% | -15.24% | -708 bps | |
| Net Interest Margin | 3.08% | 3.09% | 2.76% | 2.84% | 3.10% | +2 bps | |
| Efficiency Ratio | 146.84% | 144.59% | 142.76% | 146.89% | 137.62% | -921 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.98% | -6.60% | -1.46% | -2.58% | -5.15% | +83 bps | |
| Loan Growth (YoY) | -7.64% | -11.17% | -19.62% | -18.71% | -23.19% | -1,555 bps | |
| Share Growth (YoY) | -5.49% | -6.65% | -0.15% | -1.73% | -3.82% | +167 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.46% | 0.61% | 3.12% | 0.00% | -60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.52% | 2.45% | 2.65% | 3.24% | 5.71% | +219 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.13% | 18.25% | 17.59% | 17.77% | 17.08% | -105 bps | |
| Net Worth / Assets | 18.13% | 18.25% | 17.59% | 17.77% | 17.08% | -105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.26% | 22.87% | 19.82% | 20.34% | 19.37% | -489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |