Pomona, CA · Charter 64630
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.03% | -0.04% | 0.06% | 0.12% | +5 bps | |
| Return on Equity | 0.90% | 0.36% | -0.49% | 0.66% | 1.29% | +39 bps | |
| Net Interest Margin | 4.13% | 3.87% | 3.94% | 4.24% | 4.20% | +7 bps | |
| Efficiency Ratio | 93.34% | 106.33% | 102.36% | 101.58% | 101.18% | +784 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.52% | -4.09% | -0.15% | -4.46% | -8.09% | -1,061 bps | |
| Loan Growth (YoY) | 8.02% | 5.24% | -1.12% | -3.26% | -4.60% | -1,261 bps | |
| Share Growth (YoY) | -2.06% | -3.10% | -0.39% | -6.12% | -4.27% | -221 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.02% | 0.43% | 0.23% | 1.10% | +46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 0.59% | 0.74% | 0.43% | 0.56% | -46 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.78% | 8.59% | 8.74% | 9.58% | 9.67% | +90 bps | |
| Net Worth / Assets | 8.78% | 8.59% | 8.74% | 9.58% | 9.67% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.99% | 59.20% | 59.79% | 65.76% | 64.77% | -22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |