Wilmington, CA · Charter 64546
NCUA · 4 branches
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.53% | 1.48% | 1.30% | 1.20% | 1.20% | 1.12% | 1.10% | -20 bps | |
| Return on Equity | 4.38% | 4.76% | 13.41% | 11.32% | 10.39% | 10.20% | 10.04% | 9.64% | -168 bps | |
| Net Interest Margin | 3.60% | 3.62% | 3.55% | 3.66% | 3.68% | 3.61% | 3.55% | 3.57% | -9 bps | |
| Efficiency Ratio | 74.59% | 76.16% | 72.48% | 71.48% | 74.94% | 74.82% | 76.76% | 76.63% | +515 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.11% | 7.02% | 5.59% | 3.83% | 5.48% | 6.74% | 9.28% | 11.08% | +725 bps | |
| Loan Growth (YoY) | 11.03% | 10.25% | 11.87% | 14.15% | 15.16% | 18.82% | 18.23% | 19.14% | +498 bps | |
| Share Growth (YoY) | 7.51% | 6.09% | 4.24% | 3.28% | 4.66% | 6.86% | 9.18% | 10.32% | +703 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.40% | 1.69% | 1.58% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.48% | 1.58% | 1.53% | 1.61% | 0.56% | 0.53% | 0.50% | 0.45% | -115 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.07% | 11.23% | 11.04% | 11.52% | 11.56% | 11.71% | 11.15% | 11.45% | -7 bps | |
| Net Worth / Assets | 11.07% | 11.23% | 11.04% | 11.52% | 11.56% | 11.71% | 11.15% | 11.45% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.56% | 72.69% | 70.18% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |