Stockton, CA · Charter 7260
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Stockton, CA · Charter 7260
NCUA · 1 branch
Q4 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.61% | -0.88% | -0.84% | -1.08% | -0.18% | -0.58% | -0.72% | -0.58% | +49 bps | |
| Return on Equity | -5.66% | -8.27% | -8.12% | -10.69% | -1.87% | -6.37% | -8.44% | -6.75% | +394 bps | |
| Net Interest Margin | 3.15% | 3.15% | 3.14% | 3.18% | 3.36% | 3.23% | 3.04% | 3.13% | -4 bps | |
| Efficiency Ratio | 116.21% | 117.63% | 117.98% | 117.47% | 106.58% | 109.57% | 112.50% | 114.98% | -249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.53% | -2.88% | -2.14% | -8.48% | 4.33% | 6.75% | 10.44% | 9.17% | +1,765 bps | |
| Loan Growth (YoY) | -3.31% | -8.85% | -9.10% | 5.98% | 5.66% | 6.20% | -2.36% | -10.54% | -1,652 bps | |
| Share Growth (YoY) | 4.63% | -5.16% | -1.52% | -8.35% | 5.95% | 11.48% | 12.75% | 10.90% | +1,926 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.53% | 0.49% | 1.15% | 0.74% | 0.84% | 1.15% | 0.76% | -40 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 | 0.47% | 0.55% | 0.55% | 0.93% | 0.88% | 0.96% | 1.11% | 0.59% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.84% | 10.65% | 10.38% | 10.09% | 9.47% | 9.09% | 8.47% | 8.66% | -143 bps | |
| Net Worth / Assets | 10.84% | 10.65% | 10.38% | 10.09% | 9.47% | 9.09% | 8.47% | 8.66% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.76% | 35.49% | 35.42% | 37.88% | 34.67% | 33.81% | 30.67% | 30.56% | -732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |