Wilmington, CA · Charter 64546
NCUA · 4 branches
Q2 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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.30% | 1.20% | 1.20% | 1.12% | 1.10% | -20 bps | |
| Return on Equity | 11.32% | 10.39% | 10.20% | 10.04% | 9.64% | -168 bps | |
| Net Interest Margin | 3.66% | 3.68% | 3.61% | 3.55% | 3.57% | -9 bps | |
| Efficiency Ratio | 71.48% | 74.94% | 74.82% | 76.76% | 76.63% | +515 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.83% | 5.48% | 6.74% | 9.28% | 11.08% | +725 bps | |
| Loan Growth (YoY) | 14.15% | 15.16% | 18.82% | 18.23% | 19.14% | +498 bps | |
| Share Growth (YoY) | 3.28% | 4.66% | 6.86% | 9.18% | 10.32% | +703 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.46% | 0.43% | 0.53% | 0.38% | 0.38% | -108 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 0.56% | 0.53% | 0.50% | 0.45% | -115 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.52% | 11.56% | 11.71% | 11.15% | 11.45% | -7 bps | |
| Net Worth / Assets | 11.52% | 11.56% | 11.71% | 11.15% | 11.45% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.99% | 77.64% | 80.82% | 76.00% | 80.99% | +600 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |