Needles, CA · Charter 9821
NCUA · 2 branches
Q1 2019
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.30% | -0.16% | 0.07% | 0.14% | 0.09% | 0.21% | -0.86% | -93 bps | |
| Return on Equity | -4.21% | -5.20% | -2.69% | 1.30% | 2.62% | 1.79% | 3.96% | -16.70% | -1,800 bps | |
| Net Interest Margin | 2.72% | 2.88% | 3.07% | 3.30% | 3.46% | 3.59% | 3.61% | 4.03% | +73 bps | |
| Efficiency Ratio | 98.91% | 100.44% | 96.20% | 74.50% | 76.00% | 76.17% | 75.51% | 112.47% | +3,797 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.85% | 8.20% | 5.63% | 9.27% | 7.18% | 8.89% | 13.11% | 1.40% | -787 bps | |
| Loan Growth (YoY) | 18.61% | 24.97% | 48.19% | 73.40% | 92.90% | 87.86% | 65.24% | 30.94% | -4,247 bps | |
| Share Growth (YoY) | 14.75% | 8.04% | 6.27% | 10.84% | 5.10% | 5.21% | 13.15% | 0.54% | -1,031 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 1.85% | 1.26% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.53% | 0.74% | 0.52% | 1.10% | 1.06% | 1.18% | 1.15% | 1.20% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.67% | 5.70% | 5.85% | 5.26% | 5.20% | 5.24% | 5.26% | 5.17% | -9 bps | |
| Net Worth / Assets | 5.67% | 5.70% | 5.85% | 5.26% | 5.20% | 5.24% | 5.26% | 5.17% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.61% | 36.94% | 44.13% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |