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 | |