Fresno, CA · Charter 9004
NCUA · 3 branches
Q3 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.12% | -0.32% | -0.46% | -0.36% | 0.19% | 0.17% | 0.01% | +47 bps | |
| Return on Equity | 7.45% | 1.28% | -3.37% | -5.06% | -4.01% | 2.16% | 1.82% | 0.15% | +521 bps | |
| Net Interest Margin | 2.98% | 2.71% | 2.77% | 2.70% | 2.65% | 2.51% | 2.52% | 2.47% | -23 bps | |
| Efficiency Ratio | 95.26% | 98.48% | 99.64% | 98.90% | 96.88% | 101.16% | 101.30% | 105.27% | +637 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.15% | 5.43% | 0.96% | 2.65% | 1.62% | 0.43% | 1.25% | -0.05% | -270 bps | |
| Loan Growth (YoY) | -11.09% | -15.77% | -20.07% | -22.79% | -26.09% | -25.67% | -19.45% | -19.69% | +309 bps | |
| Share Growth (YoY) | 4.98% | 5.25% | 0.72% | 2.89% | 2.03% | 1.06% | 1.75% | 0.22% | -267 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.07% | 1.47% | 1.49% | 1.82% | 1.23% | 1.63% | 0.45% | 0.95% | -87 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 | 2.12% | 2.17% | 2.42% | 3.19% | 3.27% | 3.34% | 3.14% | 3.33% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.50% | 9.30% | 9.39% | 9.05% | 8.99% | 8.92% | 9.15% | 9.05% | 0 bps | |
| Net Worth / Assets | 9.50% | 9.30% | 9.39% | 9.05% | 8.99% | 8.92% | 9.15% | 9.05% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.20% | 33.06% | 31.66% | 28.42% | 26.95% | 24.32% | 25.07% | 22.77% | -565 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |