Santa Rosa, CA · Charter 67895
NCUA · 7 branches
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.92% | 1.01% | 1.10% | 0.93% | 0.87% | 0.43% | 0.62% | -48 bps | |
| Return on Equity | 9.73% | 10.01% | 10.94% | 11.84% | 10.11% | 9.37% | 4.75% | 6.74% | -510 bps | |
| Net Interest Margin | 3.28% | 3.31% | 3.55% | 3.61% | 3.50% | 3.48% | 3.38% | 3.44% | -17 bps | |
| Efficiency Ratio | 78.01% | 78.42% | 77.78% | 75.81% | 76.98% | 77.62% | 83.56% | 80.45% | +464 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.44% | 8.70% | 10.17% | 8.54% | 8.35% | 8.52% | 10.41% | 7.90% | -65 bps | |
| Loan Growth (YoY) | 13.78% | 11.76% | 12.79% | 10.20% | 10.11% | 7.93% | 5.01% | 1.61% | -859 bps | |
| Share Growth (YoY) | 7.69% | 6.78% | 8.18% | 6.63% | 7.92% | 8.44% | 10.76% | 8.20% | +158 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 0.38% | 0.67% | 0.93% | 0.83% | 0.88% | 0.47% | 0.46% | -46 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 | 0.47% | 0.40% | 0.36% | 0.36% | 0.43% | 0.43% | 0.48% | 0.48% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.94% | 9.14% | 9.19% | 9.31% | 9.19% | 9.29% | 9.04% | 9.27% | -4 bps | |
| Net Worth / Assets | 8.94% | 9.14% | 9.19% | 9.31% | 9.19% | 9.29% | 9.04% | 9.27% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.08% | 82.96% | 84.17% | 84.95% | 82.73% | 82.57% | 79.80% | 79.78% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |