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 | |