Ukiah, CA · Charter 64543
NCUA · 1 branch
Q4 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.04% | 0.30% | 0.26% | -20.21% | -0.03% | -0.21% | -0.94% | -121 bps | |
| Return on Equity | -0.76% | -0.35% | 2.54% | 2.37% | -167.71% | -0.22% | -1.71% | -7.31% | -968 bps | |
| Net Interest Margin | 3.56% | 3.67% | 3.74% | 3.54% | 4.05% | 4.00% | 4.08% | 4.32% | +78 bps | |
| Efficiency Ratio | 102.33% | 101.07% | 92.54% | 92.91% | 97.62% | 100.64% | 105.03% | 121.21% | +2,830 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.77% | -7.02% | -5.69% | -0.46% | -2.48% | -2.51% | -6.22% | -19.25% | -1,879 bps | |
| Loan Growth (YoY) | 25.28% | 12.68% | 10.34% | 16.44% | 0.97% | -2.41% | -7.04% | -11.36% | -2,779 bps | |
| Share Growth (YoY) | -6.17% | -7.69% | -6.58% | -0.81% | -3.18% | -3.19% | -6.95% | -20.84% | -2,003 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.74% | 2.19% | 1.36% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 8.27% | 8.19% | 7.81% | 7.75% | 8.25% | 8.43% | 8.49% | 8.77% | +102 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.43% | 11.61% | 11.69% | 11.19% | 12.05% | 12.21% | 12.37% | 12.91% | +172 bps | |
| Net Worth / Assets | 11.43% | 11.61% | 11.69% | 11.19% | 12.05% | 12.21% | 12.37% | 12.91% | +172 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.21% | 69.30% | 71.74% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |