San Diego, CA · Charter 8227
NCUA · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 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.
San Diego, CA · Charter 8227
NCUA · 1 branch
Q1 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | -0.18% | 0.08% | 0.02% | -0.15% | +6 bps | |
| Return on Equity | -1.63% | -1.38% | 0.60% | 0.19% | -1.17% | +46 bps | |
| Net Interest Margin | 2.15% | 2.16% | 2.14% | 2.12% | 2.16% | +1 bps | |
| Efficiency Ratio | 108.97% | 107.46% | 96.97% | 99.02% | 106.60% | -237 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.88% | -0.76% | 1.17% | 1.77% | -1.03% | -191 bps | |
| Loan Growth (YoY) | 57.70% | 23.81% | 14.12% | 13.83% | 8.84% | -4,886 bps | |
| Share Growth (YoY) | 0.86% | 1.12% | -0.38% | -0.33% | -2.00% | -286 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.06% | 0.04% | 0.14% | 0.11% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.46% | 0.43% | 0.43% | 0.38% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.84% | 13.00% | 13.05% | 12.88% | 13.01% | +17 bps | |
| Net Worth / Assets | 12.84% | 13.00% | 13.05% | 12.88% | 13.01% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.58% | 57.81% | 61.79% | 61.93% | 61.73% | +615 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |