Pomona, CA · Charter 16196
NCUA · 2 branches
Q4 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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.61% | -0.59% | 0.98% | -4.59% | -4.86% | -425 bps | |
| Return on Equity | -9.08% | -9.20% | 14.12% | -138.36% | -172.07% | -16,299 bps | |
| Net Interest Margin | 5.21% | 4.90% | 4.79% | 5.05% | 5.52% | +31 bps | |
| Efficiency Ratio | 107.64% | 110.98% | 128.80% | 122.33% | 133.09% | +2,546 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.67% | 6.45% | 2.15% | -5.51% | -12.28% | -1,594 bps | |
| Loan Growth (YoY) | -13.87% | -12.17% | -7.16% | -5.33% | -13.17% | +70 bps | |
| Share Growth (YoY) | 5.23% | 8.22% | 2.59% | -1.02% | -2.12% | -734 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 4.45% | 4.66% | 1.96% | 10.39% | 11.23% | +678 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.74% | 6.40% | 6.97% | 3.32% | 2.82% | -392 bps | |
| Net Worth / Assets | 6.74% | 6.40% | 6.97% | 3.32% | 2.82% | -392 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |