Phoenix, AZ · Charter 68498
NCUA · 4 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, 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 68498
NCUA · 4 branches
Q3 2019
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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.48% | 0.69% | 0.77% | 0.68% | +14 bps | |
| Return on Equity | 6.20% | 5.47% | 8.04% | 8.76% | 7.50% | +131 bps | |
| Net Interest Margin | 3.21% | 3.25% | 3.30% | 3.29% | 3.35% | +14 bps | |
| Efficiency Ratio | 81.53% | 82.05% | 76.78% | 75.55% | 76.91% | -462 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.11% | 8.31% | 8.45% | 6.21% | 2.98% | -413 bps | |
| Loan Growth (YoY) | 15.30% | 13.54% | 11.03% | 4.95% | 0.00% | -1,530 bps | |
| Share Growth (YoY) | 7.55% | 9.14% | 7.81% | 7.86% | 1.89% | -566 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 0.61% | 0.45% | 0.53% | 0.73% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.85% | 0.91% | 0.98% | 0.88% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.71% | 8.73% | 8.59% | 8.77% | 9.04% | +33 bps | |
| Net Worth / Assets | 8.71% | 8.73% | 8.59% | 8.77% | 9.04% | +33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.60% | 81.33% | 78.94% | 79.82% | 81.07% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |