Covina, CA · Charter 64309
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Covina, CA · Charter 64309
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.03% | 1.79% | 1.55% | 1.17% | 1.25% | 1.14% | 0.83% | -17.57% | -1,874 bps | |
| Return on Equity | 16.22% | 14.28% | 12.46% | 9.27% | 9.50% | 8.63% | 6.68% | -201% | -20,996 bps | |
| Net Interest Margin | 5.47% | 5.41% | 5.28% | 5.20% | 5.16% | 5.11% | 4.71% | 4.50% | -71 bps | |
| Efficiency Ratio | 58.83% | 58.23% | 56.67% | 68.74% | 63.04% | 61.28% | 62.64% | 116.07% | +4,733 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.33% | 5.52% | 10.07% | 7.06% | 4.91% | 3.38% | 7.83% | 0.89% | -617 bps | |
| Loan Growth (YoY) | -5.12% | -2.81% | -5.97% | -10.58% | -13.41% | -15.45% | -17.98% | -21.79% | -1,121 bps | |
| Share Growth (YoY) | 3.43% | 3.96% | 9.60% | 6.38% | 4.19% | 2.62% | 7.97% | 5.44% | -94 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.01% | 2.82% | 3.33% | 1.90% | 2.13% | 4.85% | 4.59% | 5.76% | +386 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 | 1.11% | 1.12% | 1.62% | 1.80% | 2.04% | 2.32% | 2.98% | 11.20% | +939 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.51% | 12.57% | 12.47% | 12.67% | 13.14% | 13.26% | 12.39% | 8.75% | -392 bps | |
| Net Worth / Assets | 12.51% | 12.57% | 12.47% | 12.67% | 13.14% | 13.26% | 12.39% | 8.75% | -392 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.08% | 65.96% | 61.67% | 58.05% | 56.59% | 54.35% | 46.85% | 43.06% | -1,499 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |