Sacramento, CA · Charter 68398
NCUA · 12 branches
Q4 2019
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.40% | 1.38% | 1.39% | 1.60% | 1.96% | 1.79% | 1.49% | +10 bps | |
| Return on Equity | 10.87% | 12.71% | 12.17% | 11.89% | 13.72% | 16.25% | 14.61% | 12.11% | +23 bps | |
| Net Interest Margin | 2.66% | 2.66% | 2.74% | 2.75% | 2.81% | 2.86% | 2.84% | 2.66% | -9 bps | |
| Efficiency Ratio | 60.12% | 57.18% | 57.68% | 56.58% | 55.70% | 50.54% | 53.00% | 57.07% | +50 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.00% | 6.53% | 4.69% | 4.30% | 5.33% | 5.52% | 7.80% | 8.13% | +383 bps | |
| Loan Growth (YoY) | 15.76% | 14.90% | 18.17% | 15.74% | 12.58% | 13.39% | 8.90% | 10.35% | -540 bps | |
| Share Growth (YoY) | 5.21% | 5.79% | 3.74% | 3.45% | 3.90% | 3.72% | 6.52% | 7.00% | +355 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.26% | 0.26% | 0.30% | 0.23% | 0.25% | 0.22% | 0.26% | -4 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 | 0.62% | 0.58% | 0.56% | 0.65% | 0.59% | 0.58% | 0.55% | 0.57% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.77% | 11.02% | 11.38% | 11.68% | 11.69% | 12.08% | 12.23% | 12.29% | +61 bps | |
| Net Worth / Assets | 10.77% | 11.02% | 11.38% | 11.68% | 11.69% | 12.08% | 12.23% | 12.29% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.86% | 78.20% | 84.58% | 85.23% | 83.28% | 85.50% | 86.47% | 87.90% | +267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |