Sacramento, CA · Charter 65095
NCUA · 2 branches
Q2 2019
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.06% | -0.21% | 0.31% | -0.10% | 0.08% | 0.14% | 0.19% | -0.13% | -3 bps | |
| Return on Equity | -0.51% | -1.69% | 2.34% | -0.77% | 0.57% | 0.98% | 1.21% | -0.83% | -6 bps | |
| Net Interest Margin | 1.70% | 1.88% | 1.71% | 1.76% | 1.90% | 1.87% | 2.05% | 2.12% | +36 bps | |
| Efficiency Ratio | 98.44% | 88.36% | 81.42% | 97.94% | 92.21% | 92.16% | 95.94% | 113.36% | +1,542 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.30% | -0.76% | -3.57% | -6.48% | -10.01% | -9.90% | -14.88% | -18.36% | -1,188 bps | |
| Loan Growth (YoY) | 5.13% | -0.53% | -8.06% | -10.61% | -15.28% | -11.69% | -9.02% | -12.57% | -196 bps | |
| Share Growth (YoY) | 2.70% | -0.43% | -3.97% | -7.23% | -11.43% | -11.80% | -17.81% | -20.85% | -1,362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.10% | 0.23% | 0.00% | 0.00% | 0.04% | 0.38% | 0.40% | +40 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 | 0.40% | 1.10% | 1.13% | 1.18% | 1.17% | 1.03% | 0.93% | 0.78% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.53% | 12.48% | 13.14% | 13.10% | 13.81% | 13.99% | 15.55% | 16.20% | +310 bps | |
| Net Worth / Assets | 12.53% | 12.48% | 13.14% | 13.10% | 13.81% | 13.99% | 15.55% | 16.20% | +310 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.94% | 28.20% | 27.77% | 27.62% | 28.64% | 28.23% | 30.74% | 30.51% | +289 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |