Biggs, CA · Charter 643
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Biggs, CA · Charter 643
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.06% | 0.01% | -0.01% | -0.22% | -28 bps | |
| Return on Equity | 0.61% | 0.62% | 0.12% | -0.07% | -2.18% | -279 bps | |
| Net Interest Margin | 4.02% | 3.82% | 3.42% | 3.48% | 3.62% | -39 bps | |
| Efficiency Ratio | 97.75% | 97.95% | 98.10% | 98.48% | 103.10% | +534 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.06% | 6.89% | 5.18% | 8.39% | 6.26% | +20 bps | |
| Loan Growth (YoY) | -4.68% | -2.85% | 0.41% | 2.56% | 0.46% | +514 bps | |
| Share Growth (YoY) | 6.66% | 7.60% | 5.60% | 9.25% | 7.37% | +71 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.44% | 0.30% | 0.36% | 0.30% | -34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.17% | 2.08% | 1.98% | 1.81% | 1.55% | -61 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.85% | 10.40% | 9.72% | 9.87% | 9.93% | -92 bps | |
| Net Worth / Assets | 10.85% | 10.40% | 9.72% | 9.87% | 9.93% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.20% | 60.57% | 56.16% | 58.52% | 60.07% | -413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |