Phoenix, AZ · Charter 64051
NCUA · 2 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Phoenix, AZ · Charter 64051
NCUA · 2 branches
Q1 2020
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.15% | 0.04% | 0.01% | -0.03% | -0.62% | -0.54% | -1.71% | -172 bps | |
| Return on Equity | -0.58% | -2.01% | 0.50% | 0.12% | -0.35% | -7.95% | -6.71% | -23.34% | -2,346 bps | |
| Net Interest Margin | 4.23% | 4.37% | 4.46% | 3.84% | 4.34% | 4.19% | 4.23% | 3.64% | -20 bps | |
| Efficiency Ratio | 99.92% | 99.80% | 96.99% | 99.80% | 97.69% | 99.10% | 100.44% | 134.04% | +3,424 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.42% | -0.09% | 1.07% | 2.08% | -10.81% | -6.44% | -8.22% | -6.46% | -853 bps | |
| Loan Growth (YoY) | -17.15% | -15.43% | -14.07% | -19.90% | -18.66% | -22.91% | -25.86% | -21.25% | -135 bps | |
| Share Growth (YoY) | 10.33% | 0.31% | 1.38% | 2.53% | -11.87% | -7.42% | -8.48% | -6.59% | -913 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.36% | 0.99% | 1.10% | 0.42% | 0.55% | 0.40% | 0.03% | -107 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 | 1.94% | 1.93% | 1.77% | 1.56% | 1.37% | 1.63% | 1.72% | 1.76% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.39% | 7.60% | 7.89% | 7.75% | 8.34% | 7.83% | 8.05% | 7.33% | -42 bps | |
| Net Worth / Assets | 7.39% | 7.60% | 7.89% | 7.75% | 8.34% | 7.83% | 8.05% | 7.33% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.75% | 61.84% | 60.53% | 54.61% | 55.15% | 51.50% | 49.04% | 46.04% | -857 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |