Phoenix, AZ · Charter 68372
NCUA · 6 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Phoenix, AZ · Charter 68372
NCUA · 6 branches
Q4 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.44% | -0.10% | 0.06% | -6.38% | -4.69% | -425 bps | |
| Return on Equity | -6.02% | -1.39% | 0.85% | -275% | -189.32% | -18,330 bps | |
| Net Interest Margin | 3.18% | 2.94% | 3.00% | 3.13% | 3.23% | +6 bps | |
| Efficiency Ratio | 89.33% | 87.00% | 86.23% | 101.28% | 95.03% | +569 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.52% | 4.79% | 5.10% | 0.10% | 1.05% | -247 bps | |
| Loan Growth (YoY) | 0.41% | 2.50% | 5.03% | 12.16% | 12.31% | +1,190 bps | |
| Share Growth (YoY) | 4.10% | 5.27% | 5.76% | 4.17% | 5.08% | +98 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.12% | 1.67% | 0.33% | 2.68% | 2.71% | +159 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.55% | 1.58% | 1.63% | 6.82% | 6.51% | +496 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.24% | 6.98% | 7.07% | 2.32% | 2.48% | -476 bps | |
| Net Worth / Assets | 7.24% | 6.98% | 7.07% | 2.32% | 2.48% | -476 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.26% | 76.08% | 79.88% | 78.59% | 79.36% | +511 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |