Pasadena, CA · Charter 2024
NCUA · 5 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 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=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
10
Asset Quality
63
Profitability
24
Liquidity
45
Efficiency
20
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.
Pasadena, CA · Charter 2024
NCUA · 5 branches
Q4 2024
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.34% | 0.31% | 0.28% | -0.31% | 0.01% | 0.14% | 0.23% | -4 bps | |
| Return on Equity | 1.56% | 3.97% | 3.49% | 3.11% | -3.62% | 0.17% | 1.59% | 2.69% | -42 bps | |
| Net Interest Margin | 2.89% | 2.90% | 2.91% | 2.93% | 2.82% | 2.88% | 2.88% | 2.87% | -6 bps | |
| Efficiency Ratio | 93.92% | 88.02% | 88.38% | 89.44% | 98.88% | 95.58% | 93.30% | 89.67% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.88% | 1.36% | -0.89% | -4.64% | -1.92% | 0.72% | 3.12% | 5.00% | +964 bps | |
| Loan Growth (YoY) | 14.20% | 5.26% | 1.22% | -3.09% | -3.31% | -3.29% | -1.58% | 0.56% | +365 bps | |
| Share Growth (YoY) | -0.02% | -2.30% | -4.48% | -4.23% | -4.92% | -1.42% | 0.52% | 3.15% | +738 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.34% | 0.39% | 0.10% | 0.06% | 0.13% | 0.22% | 0.46% | +36 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 | 0.15% | 0.15% | 0.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.35% | 8.63% | 8.80% | 8.96% | 8.67% | 8.68% | 8.62% | 8.71% | -25 bps | |
| Net Worth / Assets | 8.35% | 8.63% | 8.80% | 8.96% | 8.67% | 8.68% | 8.62% | 8.71% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.44% | 85.89% | 86.33% | 86.92% | 85.86% | 84.27% | 84.52% | 84.73% | -219 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pasadena, CA · Charter 2024 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 5 branches
Q4 2024
Return on Assets
0.23%
Rank 1,311 of 1,724
Net Interest Margin
2.87%
Rank 1,394 of 1,723
Efficiency Ratio
89.67%
Rank 1,376 of 1,721
Equity / Assets
8.71%
Rank 1,550 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.23% | 0.25% | 0.67% | 1.13% | Beats 24% | 1,311 / 1,724 | ||
| Return on Equity | 2.69% | 1.95% | 5.34% | 8.54% | Beats 30% | 1,201 / 1,723 | ||
| Net Interest Margin | 2.87% | 3.03% | 3.61% | 4.27% | Beats 19% | 1,394 / 1,723 | ||
| Efficiency Ratio | 89.67% | 69.84% | 78.36% | 87.50% | Beats 20% | 1,376 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.28% | 0.70% | 1.38% | Beats 63% | 632 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.71% | 10.16% | 12.41% | 16.03% | Beats 10% | 1,550 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.71% | 10.15% | 12.41% | 16.03% | Beats 10% | 1,550 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 84.73% | 55.95% | 72.66% | 85.34% | 74th pctl | 455 / 1,722 | ||
| Loans / Assets | 73.82% | 47.91% | 62.00% | 72.82% | 78th pctl | 382 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||