Glendale, CA · Charter 97080
NCUA · 3 branches
Q3 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.21% | 0.15% | 0.05% | 0.06% | -0.29% | -0.13% | -0.08% | -12 bps | |
| Return on Equity | -1.34% | -2.27% | 1.68% | 0.51% | 0.62% | -3.22% | -1.48% | -0.87% | -138 bps | |
| Net Interest Margin | 2.77% | 2.65% | 2.66% | 2.67% | 2.73% | 2.57% | 2.55% | 2.49% | -18 bps | |
| Efficiency Ratio | 103.08% | 109.12% | 95.91% | 96.49% | 95.73% | 101.41% | 96.62% | 95.95% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.27% | 1.13% | 0.91% | 0.61% | -0.12% | 2.08% | 1.30% | 2.30% | +168 bps | |
| Loan Growth (YoY) | 17.71% | 18.32% | 18.36% | 18.55% | 12.52% | 6.97% | -1.05% | -7.89% | -2,643 bps | |
| Share Growth (YoY) | -0.75% | -0.10% | 0.39% | -0.08% | 0.85% | 3.32% | 1.99% | 3.36% | +344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.05% | 0.15% | 0.20% | 0.44% | 0.42% | 0.39% | 0.17% | -3 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% | 0.35% | 0.32% | 0.41% | 0.43% | 0.50% | 0.53% | 0.54% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.19% | 9.03% | 9.13% | 9.09% | 9.26% | 8.88% | 8.91% | 8.84% | -26 bps | |
| Net Worth / Assets | 9.19% | 9.03% | 9.13% | 9.09% | 9.26% | 8.88% | 8.91% | 8.84% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.60% | 42.88% | 44.41% | 46.30% | 47.53% | 44.39% | 43.09% | 41.27% | -504 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |