Pasadena, CA · Charter 1368
NCUA · 3 branches
Q4 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.49% | 0.55% | 0.64% | 0.95% | 0.98% | 1.30% | 1.19% | +55 bps | |
| Return on Equity | 5.59% | 5.84% | 6.21% | 6.87% | 10.04% | 10.19% | 12.79% | 11.50% | +463 bps | |
| Net Interest Margin | 2.15% | 2.28% | 2.54% | 2.73% | 3.07% | 3.11% | 3.22% | 3.32% | +60 bps | |
| Efficiency Ratio | 83.55% | 82.04% | 81.69% | 80.19% | 71.98% | 73.32% | 68.52% | 69.34% | -1,085 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.19% | 12.44% | 5.31% | -11.59% | -7.60% | -4.96% | -1.13% | 1.08% | +1,267 bps | |
| Loan Growth (YoY) | 9.50% | 8.43% | 11.26% | 15.77% | 13.47% | 4.95% | -2.13% | -1.30% | -1,707 bps | |
| Share Growth (YoY) | 18.65% | 13.95% | 6.91% | -3.92% | -9.18% | -4.75% | -2.27% | -0.28% | +364 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.12% | 0.18% | 0.48% | 0.35% | 0.32% | 0.89% | 0.86% | +39 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 | 0.63% | 0.66% | 0.65% | 0.65% | 0.00% | 0.00% | 0.00% | 0.00% | -65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.04% | 8.33% | 8.86% | 9.31% | 9.45% | 9.63% | 10.14% | 10.37% | +106 bps | |
| Net Worth / Assets | 8.04% | 8.33% | 8.86% | 9.31% | 9.45% | 9.63% | 10.14% | 10.37% | +106 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.12% | 49.73% | 55.86% | 57.64% | 57.62% | 54.79% | 55.93% | 57.05% | -59 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |