Martinez, CA · Charter 6333
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 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.
Martinez, CA · Charter 6333
Q3 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.20% | 0.43% | 0.42% | 0.51% | +34 bps | |
| Return on Equity | 1.75% | 1.97% | 4.23% | 4.06% | 4.95% | +319 bps | |
| Net Interest Margin | 1.35% | 1.36% | 1.42% | 1.46% | 1.47% | +12 bps | |
| Efficiency Ratio | 87.01% | 86.21% | 82.01% | 79.58% | 78.86% | -815 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.76% | 3.60% | 4.09% | 2.60% | 2.87% | +11 bps | |
| Loan Growth (YoY) | 4.76% | 8.31% | 8.02% | 6.46% | 5.52% | +76 bps | |
| Share Growth (YoY) | 2.88% | 3.68% | 4.20% | 2.48% | 2.69% | -19 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.13% | 0.02% | 0.13% | 0.13% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.32% | 1.24% | 1.13% | 1.11% | 0.80% | -52 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.24% | 10.23% | 10.18% | 10.32% | 10.41% | +17 bps | |
| Net Worth / Assets | 10.24% | 10.23% | 10.18% | 10.32% | 10.41% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.78% | 32.11% | 31.26% | 31.40% | 31.63% | +85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |