PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Courts & Records

Pasadena, CA · Charter 2024

NCUA · 5 branches

Q4 2024

$559.1MAssets
$412.7MLoans
$487.1MShares
$48.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.23%, down 4 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.46% of loans (+36 bps YoY).
  • Capital: net worth / assets of 8.71%, down 25 bps from a year ago.
  • Funding: loans stand at 84.73% of shares as of Q4 2024.

Financial Results

Return on Assets (YTD, annualized)

0.23%-4 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-6 bps YoY

Efficiency Ratio (YTD, annualized)

89.67%+23 bps YoY

Net Worth / Assets

8.71%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.28%-0.31%0.01%0.14%0.23%-4 bps
Return on Equity3.11%-3.62%0.17%1.59%2.69%-42 bps
Net Interest Margin2.93%2.82%2.88%2.88%2.87%-6 bps
Efficiency Ratio89.44%98.88%95.58%93.30%89.67%+23 bps
Growth
Asset Growth (YoY)-4.64%-1.92%0.72%3.12%5.00%+964 bps
Loan Growth (YoY)-3.09%-3.31%-3.29%-1.58%0.56%+365 bps
Share Growth (YoY)-4.23%-4.92%-1.42%0.52%3.15%+738 bps
Asset Quality
Delinquent Loans / Loans0.10%0.06%0.13%0.22%0.46%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.96%8.67%8.68%8.62%8.71%-25 bps
Net Worth / Assets8.96%8.67%8.68%8.62%8.71%-25 bps
Liquidity & Funding
Loans / Shares86.92%85.86%84.27%84.52%84.73%-219 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps