Los Gatos, CA · Charter 63097
NCUA · 1 branch
Q1 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.55% | -1.11% | -1.21% | -1.06% | -2.22% | -67 bps | |
| Return on Equity | -9.30% | -6.66% | -7.48% | -6.51% | -14.02% | -472 bps | |
| Net Interest Margin | 0.60% | 1.03% | 0.92% | 0.99% | 1.01% | +41 bps | |
| Efficiency Ratio | 367% | 216% | 245% | 215% | 322% | -4,475 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.72% | -9.12% | -2.21% | -2.98% | -2.15% | +657 bps | |
| Loan Growth (YoY) | -33.66% | 46.55% | 44.19% | 74.59% | 21.14% | +5,481 bps | |
| Share Growth (YoY) | -8.72% | -9.12% | -0.72% | -1.53% | -1.04% | +769 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 18.40% | 7.92% | 7.18% | 6.64% | 7.93% | -1,047 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.94% | 1.24% | 1.08% | 1.46% | 1.79% | -115 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.68% | 16.63% | 16.20% | 16.26% | 15.82% | -86 bps | |
| Net Worth / Assets | 16.68% | 16.63% | 16.20% | 16.26% | 15.82% | -86 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 3.44% | 7.08% | 6.43% | 6.03% | 4.21% | +77 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |