Needles, CA · Charter 9821
NCUA · 2 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 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.
Needles, CA · Charter 9821
NCUA · 2 branches
Q1 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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.14% | 0.09% | 0.21% | -0.86% | -93 bps | |
| Return on Equity | 1.30% | 2.62% | 1.79% | 3.96% | -16.70% | -1,800 bps | |
| Net Interest Margin | 3.30% | 3.46% | 3.59% | 3.61% | 4.03% | +73 bps | |
| Efficiency Ratio | 74.50% | 76.00% | 76.17% | 75.51% | 112.47% | +3,797 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.27% | 7.18% | 8.89% | 13.11% | 1.40% | -787 bps | |
| Loan Growth (YoY) | 73.40% | 92.90% | 87.86% | 65.24% | 30.94% | -4,247 bps | |
| Share Growth (YoY) | 10.84% | 5.10% | 5.21% | 13.15% | 0.54% | -1,031 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.43% | 0.56% | 1.00% | 1.29% | +89 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.06% | 1.18% | 1.15% | 1.20% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.26% | 5.20% | 5.24% | 5.26% | 5.17% | -9 bps | |
| Net Worth / Assets | 5.26% | 5.20% | 5.24% | 5.26% | 5.17% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.17% | 58.02% | 65.95% | 64.45% | 62.74% | +1,457 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |