Pomona, CA · Charter 16196
NCUA · 2 branches
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pomona, CA · Charter 16196
NCUA · 2 branches
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | 0.22% | -0.12% | -0.61% | -0.59% | 0.98% | -4.59% | -4.86% | -425 bps | |
| Return on Equity | -1.88% | 2.94% | -1.76% | -9.08% | -9.20% | 14.12% | -138.36% | -172.07% | -16,299 bps | |
| Net Interest Margin | 5.72% | 5.47% | 5.03% | 5.21% | 4.90% | 4.79% | 5.05% | 5.52% | +31 bps | |
| Efficiency Ratio | 102.33% | 91.46% | 97.31% | 107.64% | 110.98% | 128.80% | 122.33% | 133.09% | +2,546 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.51% | 6.33% | 8.62% | 3.67% | 6.45% | 2.15% | -5.51% | -12.28% | -1,594 bps | |
| Loan Growth (YoY) | -6.12% | -15.78% | -12.83% | -13.87% | -12.17% | -7.16% | -5.33% | -13.17% | +70 bps | |
| Share Growth (YoY) | 3.74% | 7.94% | 11.40% | 5.23% | 8.22% | 2.59% | -1.02% | -2.12% | -734 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 0.37% | 0.00% | 0.13% | 0.60% | 0.52% | 1.76% | 0.50% | +37 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 | 7.33% | 6.74% | 4.50% | 4.45% | 4.66% | 1.96% | 10.39% | 11.23% | +678 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.56% | 7.33% | 6.87% | 6.74% | 6.40% | 6.97% | 3.32% | 2.82% | -392 bps | |
| Net Worth / Assets | 7.56% | 7.33% | 6.87% | 6.74% | 6.40% | 6.97% | 3.32% | 2.82% | -392 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.65% | 56.67% | 53.50% | 57.64% | 54.09% | 51.29% | 51.17% | 51.13% | -651 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |