Courts & Records
Pasadena, CA · Charter 2024 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 5 branches
Q4 2024
$559.1MAssets
$412.7MLoans
$487.1MShares
$48.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 63% of credit unions under $1B in assets (rank 632 of 1721).
- Widest gap: equity / assets trails 90% of credit unions under $1B in assets (rank 1550 of 1723).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |