Dublin, CA · Charter 15335
NCUA · 1 branch
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.21% | 0.17% | 0.13% | 0.07% | -0.15% | -0.08% | -0.10% | -23 bps | |
| Return on Equity | 3.28% | 1.30% | 1.04% | 0.81% | 0.44% | -1.05% | -0.58% | -0.67% | -149 bps | |
| Net Interest Margin | 2.47% | 2.44% | 2.26% | 2.13% | 1.99% | 1.72% | 1.69% | 1.65% | -48 bps | |
| Efficiency Ratio | 79.48% | 91.53% | 92.94% | 94.30% | 96.85% | 110.15% | 106.35% | 106.82% | +1,252 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.33% | -5.77% | -1.64% | 2.88% | 9.42% | 12.19% | 8.67% | 4.81% | +192 bps | |
| Loan Growth (YoY) | 9.51% | 16.85% | 12.05% | 14.94% | 16.91% | 9.84% | 20.22% | 10.26% | -468 bps | |
| Share Growth (YoY) | -5.26% | -8.57% | -2.03% | 1.64% | 10.58% | 15.52% | 11.00% | 6.43% | +478 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.40% | 0.39% | 0.37% | 0.36% | 0.34% | 0.32% | 0.26% | 0.28% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.21% | 16.56% | 16.00% | 15.57% | 14.88% | 14.73% | 14.67% | 14.75% | -81 bps | |
| Net Worth / Assets | 16.21% | 16.56% | 16.00% | 15.57% | 14.88% | 14.73% | 14.67% | 14.75% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.54% | 35.75% | 35.78% | 35.75% | 35.46% | 33.99% | 38.75% | 37.03% | +129 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |