Pomona, CA · Charter 14739
NCUA · 1 branch
Q2 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.04% | -0.08% | -2.81% | -2.06% | -215 bps | |
| Return on Equity | 1.68% | 0.77% | -1.49% | -67.93% | -53.72% | -5,539 bps | |
| Net Interest Margin | 3.17% | 2.90% | 2.66% | 1.79% | 1.65% | -152 bps | |
| Efficiency Ratio | 97.26% | 98.63% | 102.18% | 219% | 189.75% | +9,249 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.65% | 20.58% | 25.23% | 28.40% | 15.95% | -170 bps | |
| Loan Growth (YoY) | -4.48% | -15.01% | -24.54% | -31.65% | -34.57% | -3,009 bps | |
| Share Growth (YoY) | 18.82% | 21.81% | 27.18% | 30.60% | 18.27% | -54 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.00% | 0.07% | 0.06% | 0.05% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.23% | 0.26% | 0.28% | 0.31% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.76% | 5.48% | 5.20% | 4.13% | 3.83% | -193 bps | |
| Net Worth / Assets | 5.76% | 5.48% | 5.20% | 4.13% | 3.83% | -193 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.70% | 46.94% | 40.23% | 32.84% | 29.71% | -2,399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |