Marina, CA · Charter 14455
NCUA · 4 branches
Q1 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.08% | -0.25% | -0.19% | -0.16% | -0.17% | -0.22% | -2.31% | -212 bps | |
| Return on Equity | -1.59% | -1.03% | -3.47% | -2.65% | -2.09% | -2.27% | -3.02% | -33.84% | -3,119 bps | |
| Net Interest Margin | 2.42% | 2.49% | 2.52% | 2.72% | 3.09% | 3.14% | 3.30% | 3.58% | +86 bps | |
| Efficiency Ratio | 99.28% | 97.99% | 100.85% | 102.45% | 101.85% | 101.44% | 102.50% | 147.01% | +4,455 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.18% | 0.34% | 1.15% | 1.55% | -4.04% | -3.22% | -7.20% | -8.00% | -954 bps | |
| Loan Growth (YoY) | 15.91% | 23.86% | 29.63% | 28.83% | 17.97% | 10.47% | 3.00% | 0.65% | -2,818 bps | |
| Share Growth (YoY) | 6.30% | 3.94% | -2.67% | -2.75% | -2.90% | -1.30% | 0.58% | -0.39% | +236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.18% | 0.96% | 0.73% | 0.97% | 1.12% | 1.49% | 0.98% | +25 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 | 0.42% | 0.41% | 0.50% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.52% | 7.46% | 7.13% | 7.07% | 7.56% | 7.38% | 7.35% | 6.83% | -24 bps | |
| Net Worth / Assets | 7.52% | 7.46% | 7.13% | 7.07% | 7.56% | 7.38% | 7.35% | 6.83% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.07% | 55.43% | 62.26% | 62.86% | 63.27% | 62.04% | 63.76% | 63.51% | +66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |