Culver City, CA · Charter 6695
NCUA · 1 branch
Q3 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | 0.02% | -0.46% | -0.34% | -0.27% | 0.20% | 0.21% | 0.02% | +36 bps | |
| Return on Equity | -7.07% | 0.29% | -6.74% | -4.78% | -3.96% | 2.92% | 3.04% | 0.32% | +510 bps | |
| Net Interest Margin | 2.36% | 2.28% | 2.31% | 2.52% | 2.48% | 2.68% | 2.60% | 2.60% | +8 bps | |
| Efficiency Ratio | 94.41% | 99.20% | 92.61% | 91.56% | 87.73% | 84.82% | 83.64% | 84.31% | -726 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | 1.01% | 0.58% | -5.21% | -0.03% | -0.24% | 2.00% | 5.05% | +1,026 bps | |
| Loan Growth (YoY) | -1.67% | -7.03% | -9.80% | -13.10% | -15.90% | -14.01% | -8.65% | -5.90% | +719 bps | |
| Share Growth (YoY) | 1.54% | 2.05% | 3.54% | -5.18% | 4.34% | -0.38% | 1.54% | 4.98% | +1,016 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.82% | 1.18% | 1.52% | 1.33% | 2.42% | 1.33% | 0.20% | 0.29% | -104 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 | 1.41% | 1.26% | 2.23% | 1.91% | 1.91% | 2.14% | 1.96% | 1.87% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.08% | 7.01% | 6.84% | 7.12% | 6.81% | 6.81% | 6.78% | 6.77% | -35 bps | |
| Net Worth / Assets | 7.08% | 7.01% | 6.84% | 7.12% | 6.81% | 6.81% | 6.78% | 6.77% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.52% | 40.35% | 39.12% | 38.94% | 35.88% | 34.83% | 35.19% | 34.91% | -404 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |