Covina, CA · Charter 64309
NCUA
Q1 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 1.25% | 1.14% | 0.83% | -17.57% | -1,874 bps | |
| Return on Equity | 9.27% | 9.50% | 8.63% | 6.68% | -201% | -20,996 bps | |
| Net Interest Margin | 5.20% | 5.16% | 5.11% | 4.71% | 4.50% | -71 bps | |
| Efficiency Ratio | 68.74% | 63.04% | 61.28% | 62.64% | 116.07% | +4,733 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.06% | 4.91% | 3.38% | 7.83% | 0.89% | -617 bps | |
| Loan Growth (YoY) | -10.58% | -13.41% | -15.45% | -17.98% | -21.79% | -1,121 bps | |
| Share Growth (YoY) | 6.38% | 4.19% | 2.62% | 7.97% | 5.44% | -94 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.80% | 2.04% | 2.32% | 2.98% | 11.20% | +939 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.67% | 13.14% | 13.26% | 12.39% | 8.75% | -392 bps | |
| Net Worth / Assets | 12.67% | 13.14% | 13.26% | 12.39% | 8.75% | -392 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |