San Diego, CA · Charter 68452
NCUA · 11 branches
Q4 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.87% | 0.91% | 0.85% | 0.74% | -16 bps | |
| Return on Equity | 8.02% | 7.96% | 8.11% | 7.52% | 6.57% | -145 bps | |
| Net Interest Margin | 2.71% | 2.72% | 2.84% | 2.85% | 2.84% | +13 bps | |
| Efficiency Ratio | 80.95% | 81.42% | 79.12% | 80.54% | 83.17% | +222 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.35% | 6.08% | 5.03% | 5.56% | 6.48% | +313 bps | |
| Loan Growth (YoY) | 12.63% | 13.26% | 11.79% | 13.11% | 7.88% | -476 bps | |
| Share Growth (YoY) | 2.69% | 5.52% | 4.27% | 4.70% | 5.74% | +305 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.43% | 0.50% | 0.40% | 0.42% | -15 bps | |
| Net Charge-Offs / Loans | n/a | 0.11% | 0.02% | n/a | n/a | n/a | |
| Allowance / Loans | 0.62% | 0.54% | 0.53% | 0.51% | 0.43% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.24% | 10.89% | 11.22% | 11.31% | 11.30% | +6 bps | |
| Net Worth / Assets | 11.24% | 10.89% | 11.22% | 11.31% | 11.30% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.96% | 79.66% | 80.48% | 83.63% | 82.60% | +164 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |