Pomona, CA · Charter 21509
NCUA · 2 branches
Q3 2023
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.33% | 1.20% | 1.55% | 0.04% | -37 bps | |
| Return on Equity | 4.34% | 3.40% | 12.43% | 15.03% | 0.39% | -395 bps | |
| Net Interest Margin | 3.26% | 3.58% | 4.39% | 4.69% | 4.98% | +172 bps | |
| Efficiency Ratio | 87.96% | 91.12% | 73.24% | 67.72% | 86.73% | -123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.69% | -2.69% | -0.36% | -2.05% | -3.80% | -211 bps | |
| Loan Growth (YoY) | 5.11% | 7.35% | -1.18% | 2.36% | 3.97% | -114 bps | |
| Share Growth (YoY) | -1.91% | -5.20% | -1.09% | -3.28% | -4.20% | -229 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 0.65% | 0.68% | 1.04% | 1.15% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.39% | 0.41% | 0.40% | 1.19% | +79 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.39% | 9.66% | 9.64% | 10.30% | 9.80% | +41 bps | |
| Net Worth / Assets | 9.39% | 9.66% | 9.64% | 10.30% | 9.80% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.33% | 41.87% | 38.21% | 39.74% | 41.60% | +327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |