Stockton, CA · Charter 64411
NCUA · 2 branches
Q2 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.26% | -1.52% | 1.21% | -0.54% | -0.86% | -1.06% | -1.09% | -2.50% | -196 bps | |
| Return on Equity | -14.20% | -18.05% | 14.54% | -6.61% | -10.82% | -14.27% | -16.09% | -37.84% | -3,124 bps | |
| Net Interest Margin | 3.05% | 3.03% | 2.85% | 2.89% | 2.87% | 2.81% | 2.11% | 2.21% | -69 bps | |
| Efficiency Ratio | 128.73% | 135.51% | 150.95% | 149.07% | 145.38% | 145.02% | 141.71% | 191.67% | +4,260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.21% | -5.91% | -1.55% | -2.63% | -2.16% | -0.61% | -3.45% | 4.44% | +707 bps | |
| Loan Growth (YoY) | -17.10% | -19.09% | -14.70% | -16.58% | -16.02% | -15.36% | -19.62% | -15.41% | +117 bps | |
| Share Growth (YoY) | -4.76% | -4.11% | -0.45% | 1.81% | -1.02% | 0.47% | -1.77% | 6.41% | +460 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.11% | 3.04% | 0.17% | 0.10% | 0.14% | 1.93% | 0.03% | 0.02% | -9 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 | 6.36% | 6.00% | 3.44% | 3.92% | 4.06% | 4.12% | 3.79% | 4.00% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.88% | 8.40% | 8.32% | 8.17% | 7.90% | 7.43% | 6.77% | 6.59% | -158 bps | |
| Net Worth / Assets | 8.88% | 8.40% | 8.32% | 8.17% | 7.90% | 7.43% | 6.77% | 6.59% | -158 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.39% | 37.03% | 33.79% | 33.26% | 32.57% | 31.20% | 27.65% | 26.44% | -682 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |