Phoenix, AZ · Charter 1747
NCUA · 15 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, 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.
Phoenix, AZ · Charter 1747
NCUA · 15 branches
Q2 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | 0.53% | 0.57% | 0.57% | 0.68% | +29 bps | |
| Return on Equity | 3.24% | 4.46% | 4.93% | 4.99% | 5.83% | +259 bps | |
| Net Interest Margin | 1.92% | 1.92% | 1.87% | 1.97% | 2.09% | +17 bps | |
| Efficiency Ratio | 92.83% | 89.35% | 87.25% | 86.36% | 83.61% | -922 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 19.54% | 19.94% | 19.30% | 11.50% | 8.78% | -1,076 bps | |
| Loan Growth (YoY) | -2.60% | -3.04% | -0.74% | 1.47% | 5.76% | +836 bps | |
| Share Growth (YoY) | 22.20% | 22.62% | 22.24% | 14.34% | 12.23% | -997 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.44% | 0.09% | 0.10% | 0.08% | 0.06% | -39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.41% | 2.39% | 2.36% | 2.32% | 2.22% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.95% | 11.92% | 11.59% | 11.47% | 11.71% | -24 bps | |
| Net Worth / Assets | 11.95% | 11.92% | 11.59% | 11.47% | 11.71% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.03% | 51.27% | 49.01% | 47.48% | 49.97% | -306 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |