Glendale, CA · Charter 11917
NCUA · 1 branch
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.04% | -0.35% | 0.22% | -0.24% | -1.49% | -2.35% | -1.85% | -206 bps | |
| Return on Equity | 1.72% | 0.33% | -3.18% | 1.68% | -1.80% | -10.80% | -16.74% | -12.18% | -1,386 bps | |
| Net Interest Margin | 2.06% | 2.07% | 1.65% | 2.61% | 2.52% | 1.99% | 2.16% | 2.35% | -26 bps | |
| Efficiency Ratio | 90.56% | 97.71% | 116.35% | 92.73% | 107.85% | 161.42% | 185.45% | 161.79% | +6,906 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.38% | -1.95% | 2.09% | -9.17% | -14.02% | -19.01% | -26.88% | -23.81% | -1,464 bps | |
| Loan Growth (YoY) | 19.21% | 6.71% | 3.63% | 1.78% | -10.03% | -11.92% | -12.18% | -17.02% | -1,880 bps | |
| Share Growth (YoY) | 5.22% | -2.23% | -6.67% | -10.64% | -16.06% | -21.25% | -22.90% | -28.57% | -1,794 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.18% | 1.22% | 1.95% | 2.40% | 2.59% | 2.25% | 1.69% | -26 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 | 0.51% | 0.52% | 0.54% | 0.40% | 0.39% | 0.00% | 0.00% | 0.00% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.63% | 11.60% | 11.03% | 12.99% | 13.44% | 13.84% | 14.04% | 15.15% | +216 bps | |
| Net Worth / Assets | 11.63% | 11.60% | 11.03% | 12.99% | 13.44% | 13.84% | 14.04% | 15.15% | +216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.13% | 36.23% | 36.63% | 39.47% | 40.87% | 40.52% | 41.72% | 45.85% | +638 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |