Montebello, CA · Charter 65674
NCUA · 1 branch
Q4 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.33% | -0.25% | -0.26% | 0.10% | +7 bps | |
| Return on Equity | 0.46% | 4.01% | -3.25% | -3.54% | 1.28% | +82 bps | |
| Net Interest Margin | 2.65% | 2.54% | 2.28% | 2.17% | 2.15% | -49 bps | |
| Efficiency Ratio | 103.03% | 88.56% | 88.52% | 96.22% | 97.95% | -508 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.76% | 0.71% | 1.15% | 4.22% | 3.39% | +163 bps | |
| Loan Growth (YoY) | -16.40% | -14.19% | -13.58% | -12.77% | -4.99% | +1,141 bps | |
| Share Growth (YoY) | 1.83% | 0.68% | 1.36% | 4.91% | 3.65% | +182 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.15% | 1.69% | 2.87% | 2.96% | 1.50% | -66 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.37% | 8.15% | 7.67% | 7.47% | 8.20% | -17 bps | |
| Net Worth / Assets | 8.37% | 8.15% | 7.67% | 7.47% | 8.20% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |