Merced, CA · Charter 62989
NCUA · 1 branch
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.26% | -0.34% | -0.37% | -0.82% | -1.56% | -1.40% | -1.56% | -119 bps | |
| Return on Equity | 4.55% | 2.61% | -3.63% | -3.74% | -8.05% | -15.40% | -14.03% | -14.48% | -1,074 bps | |
| Net Interest Margin | 4.67% | 4.82% | 4.78% | 5.05% | 4.74% | 4.84% | 4.74% | 5.30% | +25 bps | |
| Efficiency Ratio | 91.30% | 90.22% | 96.85% | 98.45% | 113.40% | 125.76% | 120.85% | 116.58% | +1,813 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | -0.51% | 0.20% | -0.61% | -10.93% | -13.57% | -15.81% | -18.87% | -1,826 bps | |
| Loan Growth (YoY) | 24.21% | 26.63% | 17.49% | -4.05% | -10.54% | -20.79% | -11.55% | -12.42% | -837 bps | |
| Share Growth (YoY) | 6.58% | 0.31% | 1.32% | 0.29% | -11.48% | -14.20% | -16.81% | -19.32% | -1,961 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.23% | 2.13% | 1.64% | 0.00% | 0.27% | 0.29% | 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 | 1.10% | 1.21% | 1.67% | 0.11% | 0.17% | 0.32% | 0.20% | 0.00% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.66% | 9.92% | 9.36% | 10.01% | 10.13% | 10.14% | 9.96% | 10.78% | +77 bps | |
| Net Worth / Assets | 9.66% | 9.92% | 9.36% | 10.01% | 10.13% | 10.14% | 9.96% | 10.78% | +77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.79% | 85.93% | 77.55% | 81.93% | 80.64% | 79.33% | 82.45% | 88.94% | +701 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |