Montebello, CA · Charter 65674
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Montebello, CA · Charter 65674
NCUA · 1 branch
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | 0.03% | 0.16% | 0.04% | 0.33% | -0.25% | -0.26% | 0.10% | +7 bps | |
| Return on Equity | 1.97% | 0.44% | 2.04% | 0.46% | 4.01% | -3.25% | -3.54% | 1.28% | +82 bps | |
| Net Interest Margin | 3.01% | 2.69% | 2.67% | 2.65% | 2.54% | 2.28% | 2.17% | 2.15% | -49 bps | |
| Efficiency Ratio | 91.20% | 96.73% | 100.15% | 103.03% | 88.56% | 88.52% | 96.22% | 97.95% | -508 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.22% | -1.05% | -2.29% | 1.76% | 0.71% | 1.15% | 4.22% | 3.39% | +163 bps | |
| Loan Growth (YoY) | -10.94% | -10.47% | -12.33% | -16.40% | -14.19% | -13.58% | -12.77% | -4.99% | +1,141 bps | |
| Share Growth (YoY) | 0.65% | -0.37% | -2.03% | 1.83% | 0.68% | 1.36% | 4.91% | 3.65% | +182 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.43% | 0.42% | 0.88% | 0.25% | 0.73% | 0.63% | 0.71% | -17 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 | 2.34% | 2.52% | 2.02% | 2.15% | 1.69% | 2.87% | 2.96% | 1.50% | -66 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.13% | 7.87% | 8.08% | 8.37% | 8.15% | 7.67% | 7.47% | 8.20% | -17 bps | |
| Net Worth / Assets | 8.13% | 7.87% | 8.08% | 8.37% | 8.15% | 7.67% | 7.47% | 8.20% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.90% | 29.59% | 28.89% | 28.42% | 26.34% | 25.23% | 24.02% | 26.06% | -237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |