Los Gatos, CA · Charter 63097
NCUA · 1 branch
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.86% | -1.20% | -0.85% | -1.55% | -1.11% | -1.21% | -1.06% | -2.22% | -67 bps | |
| Return on Equity | -5.39% | -7.21% | -5.04% | -9.30% | -6.66% | -7.48% | -6.51% | -14.02% | -472 bps | |
| Net Interest Margin | 1.68% | 1.59% | 1.55% | 0.60% | 1.03% | 0.92% | 0.99% | 1.01% | +41 bps | |
| Efficiency Ratio | 143.99% | 154.39% | 153.52% | 367% | 216% | 245% | 215% | 322% | -4,475 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.07% | -9.25% | -7.69% | -8.72% | -9.12% | -2.21% | -2.98% | -2.15% | +657 bps | |
| Loan Growth (YoY) | -12.43% | -13.96% | -26.19% | -33.66% | 46.55% | 44.19% | 74.59% | 21.14% | +5,481 bps | |
| Share Growth (YoY) | -2.34% | -8.74% | -7.89% | -8.72% | -9.12% | -0.72% | -1.53% | -1.04% | +769 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 15.80% | 13.13% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 4.55% | 10.19% | 4.77% | 2.94% | 1.24% | 1.08% | 1.46% | 1.79% | -115 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.97% | 16.67% | 16.81% | 16.68% | 16.63% | 16.20% | 16.26% | 15.82% | -86 bps | |
| Net Worth / Assets | 15.97% | 16.67% | 16.81% | 16.68% | 16.63% | 16.20% | 16.26% | 15.82% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 4.39% | 4.43% | 3.40% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |