West Covina, CA · Charter 68404
NCUA · 11 branches
Q4 2016
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 1.10% | 0.84% | 0.69% | 0.60% | +18 bps | |
| Return on Equity | 4.85% | 12.56% | 10.24% | 8.53% | 7.31% | +246 bps | |
| Net Interest Margin | 4.31% | 4.36% | 4.04% | 3.94% | 4.01% | -30 bps | |
| Efficiency Ratio | 87.58% | 77.24% | 80.76% | 80.88% | 83.44% | -414 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.79% | 3.67% | 11.17% | 16.03% | 14.31% | +952 bps | |
| Loan Growth (YoY) | 19.42% | 18.08% | 19.43% | 10.17% | 6.58% | -1,284 bps | |
| Share Growth (YoY) | 5.38% | 3.50% | 5.43% | 17.15% | 14.94% | +956 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.33% | 0.26% | 0.33% | 0.39% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.52% | 0.48% | 0.49% | 0.44% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.63% | 8.72% | 8.22% | 8.10% | 8.14% | -48 bps | |
| Net Worth / Assets | 8.63% | 8.72% | 8.22% | 8.10% | 8.14% | -48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.28% | 97.17% | 97.46% | 87.74% | 88.35% | -694 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |