Whittier, CA · Charter 64382
NCUA · 1 branch
Q3 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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 0.26% | -5.47% | -2.23% | -1.17% | -213 bps | |
| Return on Equity | 5.93% | 1.61% | -39.04% | -15.32% | -7.92% | -1,385 bps | |
| Net Interest Margin | 3.07% | 3.10% | 3.33% | 3.20% | 3.15% | +8 bps | |
| Efficiency Ratio | 75.79% | 80.43% | n/a | 184.88% | 127.62% | +5,184 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.37% | -0.53% | 4.50% | 1.50% | 0.95% | +59 bps | |
| Loan Growth (YoY) | 6.85% | 7.28% | 1.96% | 7.24% | 3.80% | -305 bps | |
| Share Growth (YoY) | -0.21% | -0.97% | 6.32% | 2.58% | 2.34% | +254 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.33% | 3.10% | 3.76% | 3.50% | 3.48% | +114 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.22% | 15.88% | 14.02% | 14.54% | 14.73% | -149 bps | |
| Net Worth / Assets | 16.22% | 15.88% | 14.02% | 14.54% | 14.73% | -149 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |