West Covina, CA · Charter 68404
NCUA · 11 branches
Q4 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.21% | 0.42% | 0.42% | 1.10% | 0.84% | 0.69% | 0.60% | +18 bps | |
| Return on Equity | 2.22% | 2.56% | 4.87% | 4.85% | 12.56% | 10.24% | 8.53% | 7.31% | +246 bps | |
| Net Interest Margin | 4.20% | 4.22% | 4.38% | 4.31% | 4.36% | 4.04% | 3.94% | 4.01% | -30 bps | |
| Efficiency Ratio | 92.52% | 91.20% | 88.27% | 87.58% | 77.24% | 80.76% | 80.88% | 83.44% | -414 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.92% | 2.54% | 2.72% | 4.79% | 3.67% | 11.17% | 16.03% | 14.31% | +952 bps | |
| Loan Growth (YoY) | 1.44% | 5.74% | 14.52% | 19.42% | 18.08% | 19.43% | 10.17% | 6.58% | -1,284 bps | |
| Share Growth (YoY) | 1.16% | 3.10% | 3.08% | 5.38% | 3.50% | 5.43% | 17.15% | 14.94% | +956 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.35% | 0.82% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.65% | 0.57% | 0.54% | 0.52% | 0.48% | 0.49% | 0.44% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.38% | 8.36% | 8.68% | 8.63% | 8.72% | 8.22% | 8.10% | 8.14% | -48 bps | |
| Net Worth / Assets | 8.38% | 8.36% | 8.68% | 8.63% | 8.72% | 8.22% | 8.10% | 8.14% | -48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.17% | 86.04% | 93.30% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |