San Bernardin0, CA · Charter 18454
NCUA · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
56
Profitability
60
Liquidity
77
Efficiency
60
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
San Bernardin0, CA · Charter 18454
NCUA · 1 branch
Q3 2024
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.59% | 1.06% | 1.42% | 0.27% | 0.71% | -88 bps | |
| Return on Equity | 8.71% | 6.28% | 8.42% | 1.60% | 3.92% | -479 bps | |
| Net Interest Margin | 4.79% | 4.55% | 4.88% | 4.95% | 5.18% | +39 bps | |
| Efficiency Ratio | 58.46% | 68.87% | 71.52% | 73.99% | 74.43% | +1,597 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.16% | -0.67% | 2.05% | -0.05% | -3.58% | -143 bps | |
| Loan Growth (YoY) | 29.08% | 17.71% | -0.41% | -2.42% | 2.12% | -2,696 bps | |
| Share Growth (YoY) | -2.85% | -2.25% | 1.31% | -0.16% | -4.06% | -121 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.27% | 0.91% | 0.83% | 1.38% | 0.54% | -73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.27% | 16.95% | 16.89% | 16.95% | 18.07% | -20 bps | |
| Net Worth / Assets | 18.27% | 16.95% | 16.89% | 16.95% | 18.07% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.90% | 62.13% | 56.30% | 56.39% | 65.88% | +398 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Bernardin0, CA · Charter 18454 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
Return on Assets
0.70%
Rank 879 of 1,761
Net Interest Margin
5.17%
Rank 146 of 1,761
Efficiency Ratio
74.48%
Rank 695 of 1,754
Equity / Assets
18.06%
Rank 304 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.26% | 0.70% | 1.22% | Beats 50% | 879 / 1,761 | |
| Return on Equity | 3.86% | 2.09% | 5.52% | 9.08% | Beats 38% | 1,084 / 1,761 | |
| Net Interest Margin | 5.17% | 3.03% | 3.59% | 4.25% | Beats 92% | 146 / 1,761 | |
| Efficiency Ratio | 74.48% | 68.95% | 77.94% | 87.14% | Beats 60% | 695 / 1,754 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.26% | 0.65% | 1.27% | Beats 56% | 780 / 1,757 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 18.07% | 10.05% | 12.42% | 15.87% | Beats 83% | 304 / 1,761 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 18.06% | 10.05% | 12.42% | 15.87% | Beats 83% | 304 / 1,761 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.88% | 56.21% | 73.13% | 85.64% | 38th pctl | 1,083 / 1,759 | |
| Loans / Assets | 55.66% | 47.85% | 62.48% | 73.19% | 37th pctl | 1,114 / 1,761 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||