S. San Francisc, CA · Charter 13124
NCUA · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.35% | -1.29% | -1.34% | -1.39% | -1.67% | -1.84% | -2.00% | -1.83% | -44 bps | |
| Return on Equity | -12.32% | -12.94% | -13.99% | -15.46% | -19.21% | -22.43% | -28.19% | -27.57% | -1,212 bps | |
| Net Interest Margin | 1.07% | 0.97% | 0.94% | 0.51% | 0.50% | 0.51% | 0.47% | 0.35% | -15 bps | |
| Efficiency Ratio | 230% | 235% | 247% | 381% | 439% | 470% | 534% | 622% | +24,099 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.99% | 8.30% | 4.33% | 8.03% | 7.48% | -0.47% | 5.76% | 2.80% | -523 bps | |
| Loan Growth (YoY) | 38.11% | 10.38% | -6.37% | -13.86% | -20.33% | -25.78% | -30.35% | -31.11% | -1,725 bps | |
| Share Growth (YoY) | 2.65% | 11.01% | 6.39% | 10.67% | 10.22% | 1.48% | 8.75% | 5.42% | -525 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.46% | 0.36% | 0.32% | 0.23% | +23 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 | 0.52% | 0.49% | 0.46% | 0.45% | 0.44% | 0.43% | 0.43% | 0.43% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.00% | 9.93% | 9.60% | 9.01% | 8.70% | 8.22% | 7.08% | 6.64% | -237 bps | |
| Net Worth / Assets | 11.00% | 9.93% | 9.60% | 9.01% | 8.70% | 8.22% | 7.08% | 6.64% | -237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.67% | 25.38% | 23.68% | 21.45% | 20.00% | 18.56% | 15.17% | 14.02% | -743 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |