Pomona, CA · Charter 11464
NCUA · 1 branch
Q1 2022
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 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.56% | -0.63% | -1.18% | -1.12% | -14.12% | -1,356 bps | |
| Return on Equity | -4.53% | -5.24% | -10.10% | -9.40% | -168.51% | -16,398 bps | |
| Net Interest Margin | 1.85% | 1.76% | 1.74% | 1.73% | 1.38% | -47 bps | |
| Efficiency Ratio | 125.82% | 129.02% | 152.99% | 150.68% | 881% | +75,516 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.71% | 12.21% | 7.88% | 0.28% | -4.17% | -2,488 bps | |
| Loan Growth (YoY) | -15.39% | -12.00% | -10.76% | -10.68% | -17.12% | -174 bps | |
| Share Growth (YoY) | 24.24% | 12.78% | 8.49% | 1.74% | -2.18% | -2,641 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.00% | 0.27% | 0.41% | 1.11% | +101 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.51% | 0.53% | 0.56% | 0.84% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.35% | 11.98% | 11.64% | 11.93% | 8.38% | -397 bps | |
| Net Worth / Assets | 12.35% | 11.98% | 11.64% | 11.93% | 8.38% | -397 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.75% | 26.19% | 25.80% | 25.63% | 22.66% | -409 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |