Menlo Park, CA · Charter 13394
NCUA · 2 branches
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.57% | 0.49% | 0.94% | 0.85% | 0.77% | 0.57% | 0.39% | -55 bps | |
| Return on Equity | 4.47% | 4.12% | 3.68% | 6.90% | 6.19% | 5.63% | 4.29% | 2.89% | -401 bps | |
| Net Interest Margin | 2.45% | 2.36% | 2.23% | 2.21% | 2.15% | 2.09% | 2.01% | 1.82% | -39 bps | |
| Efficiency Ratio | 72.56% | 77.49% | 78.75% | 64.36% | 65.33% | 66.97% | 73.73% | 77.59% | +1,323 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.54% | 4.96% | 13.55% | 8.52% | 4.89% | 6.29% | 3.74% | 4.78% | -374 bps | |
| Loan Growth (YoY) | 3.17% | 10.90% | 27.30% | 20.65% | 24.39% | 21.74% | 7.82% | 13.82% | -683 bps | |
| Share Growth (YoY) | 4.19% | 5.39% | 14.41% | 9.61% | 5.19% | 6.44% | 4.53% | 4.90% | -471 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.11% | 0.08% | 0.23% | 0.11% | +11 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 | 0.24% | 0.14% | 0.13% | 0.08% | 0.08% | 0.11% | 0.12% | 0.15% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.76% | 13.76% | 13.18% | 13.60% | 13.74% | 13.60% | 13.28% | 13.42% | -18 bps | |
| Net Worth / Assets | 13.76% | 13.76% | 13.18% | 13.60% | 13.74% | 13.60% | 13.28% | 13.42% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.13% | 46.11% | 50.94% | 51.63% | 52.19% | 52.73% | 52.54% | 56.02% | +439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |