Whittier, CA · Charter 64382
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 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.
Whittier, CA · Charter 64382
NCUA · 1 branch
Q3 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.32% | 0.45% | 0.96% | 0.26% | -5.47% | -2.23% | -1.17% | -213 bps | |
| Return on Equity | 0.65% | 1.99% | 2.83% | 5.93% | 1.61% | -39.04% | -15.32% | -7.92% | -1,385 bps | |
| Net Interest Margin | 3.20% | 3.06% | 3.07% | 3.07% | 3.10% | 3.33% | 3.20% | 3.15% | +8 bps | |
| Efficiency Ratio | 83.41% | 87.43% | 85.96% | 75.79% | 80.43% | n/a | 184.88% | 127.62% | +5,184 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.46% | -3.37% | -1.22% | 0.37% | -0.53% | 4.50% | 1.50% | 0.95% | +59 bps | |
| Loan Growth (YoY) | -2.19% | 0.83% | 3.13% | 6.85% | 7.28% | 1.96% | 7.24% | 3.80% | -305 bps | |
| Share Growth (YoY) | -1.70% | -4.35% | -1.52% | -0.21% | -0.97% | 6.32% | 2.58% | 2.34% | +254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 2.28% | 2.33% | 2.46% | 3.48% | 0.00% | 0.08% | 0.02% | -244 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 | 2.75% | 2.44% | 2.41% | 2.33% | 3.10% | 3.76% | 3.50% | 3.48% | +114 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.55% | 15.91% | 15.86% | 16.22% | 15.88% | 14.02% | 14.54% | 14.73% | -149 bps | |
| Net Worth / Assets | 15.55% | 15.91% | 15.86% | 16.22% | 15.88% | 14.02% | 14.54% | 14.73% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.25% | 66.46% | 66.72% | 68.04% | 68.52% | 63.73% | 69.76% | 69.01% | +98 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |