Ukiah, CA · Charter 64543
NCUA · 1 branch
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | -20.21% | -0.03% | -0.21% | -0.94% | -121 bps | |
| Return on Equity | 2.37% | -167.71% | -0.22% | -1.71% | -7.31% | -968 bps | |
| Net Interest Margin | 3.54% | 4.05% | 4.00% | 4.08% | 4.32% | +78 bps | |
| Efficiency Ratio | 92.91% | 97.62% | 100.64% | 105.03% | 121.21% | +2,830 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.46% | -2.48% | -2.51% | -6.22% | -19.25% | -1,879 bps | |
| Loan Growth (YoY) | 16.44% | 0.97% | -2.41% | -7.04% | -11.36% | -2,779 bps | |
| Share Growth (YoY) | -0.81% | -3.18% | -3.19% | -6.95% | -20.84% | -2,003 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.06% | 1.84% | 0.48% | 0.63% | 6.07% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.75% | 8.25% | 8.43% | 8.49% | 8.77% | +102 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.19% | 12.05% | 12.21% | 12.37% | 12.91% | +172 bps | |
| Net Worth / Assets | 11.19% | 12.05% | 12.21% | 12.37% | 12.91% | +172 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.56% | 70.09% | 69.86% | 71.67% | 76.77% | +821 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |