Santa Cruz, CA · Charter 64439
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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.
Santa Cruz, CA · Charter 64439
Q3 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.01% | -0.19% | -0.14% | -0.16% | -16 bps | |
| Return on Equity | -0.05% | 0.16% | -2.82% | -2.10% | -2.25% | -220 bps | |
| Net Interest Margin | 3.35% | 3.40% | 3.41% | 3.50% | 3.63% | +27 bps | |
| Efficiency Ratio | 101.38% | 101.01% | 105.72% | 103.28% | 102.69% | +132 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.30% | 2.92% | 0.72% | 2.49% | -2.95% | -725 bps | |
| Loan Growth (YoY) | 11.79% | 12.63% | 12.01% | 6.60% | 2.86% | -893 bps | |
| Share Growth (YoY) | 3.71% | 2.02% | -0.10% | 2.62% | -3.03% | -675 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.46% | 0.34% | 0.33% | 0.98% | +57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.16% | 0.14% | 0.12% | 0.09% | 0.12% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.97% | 7.02% | 6.77% | 6.84% | 7.07% | +11 bps | |
| Net Worth / Assets | 6.97% | 7.02% | 6.77% | 6.84% | 7.07% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.32% | 70.76% | 68.98% | 69.02% | 71.41% | +409 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |