Pinole, CA · Charter 64555
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Pinole, CA · Charter 64555
Q3 2015
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | -0.42% | -0.79% | -0.86% | -2.00% | -156 bps | |
| Return on Equity | -5.61% | -5.31% | -10.42% | -12.10% | -33.38% | -2,777 bps | |
| Net Interest Margin | 2.41% | 2.43% | 2.36% | 2.34% | 2.32% | -9 bps | |
| Efficiency Ratio | 115.77% | 115.38% | 136.24% | 133.19% | 170.34% | +5,456 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.73% | -5.56% | -3.76% | 0.43% | 3.54% | +1,327 bps | |
| Loan Growth (YoY) | 2.89% | 4.85% | 8.87% | 12.36% | 7.12% | +423 bps | |
| Share Growth (YoY) | -10.04% | -5.59% | -3.71% | 0.86% | 5.73% | +1,577 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.12% | 0.17% | 0.44% | 0.42% | +42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 1.15% | 0.91% | 0.80% | 0.88% | -38 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.85% | 7.82% | 7.58% | 7.13% | 6.00% | -185 bps | |
| Net Worth / Assets | 7.85% | 7.82% | 7.58% | 7.13% | 6.00% | -185 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.37% | 35.62% | 36.53% | 35.69% | 34.82% | +45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |