PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

P.V.H.M.C.

Pomona, CA · Charter 21509

NCUA · 2 branches

Q3 2023

$13.9MAssets
$5.2MLoans
$12.5MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.04%, down 37 bps year over year; NIM at 4.98%.
  • Asset quality: problem loans at 1.15% of loans (+39 bps YoY).
  • Capital: net worth / assets of 9.80%, up 41 bps from a year ago.
  • Funding: loans stand at 41.60% of shares as of Q3 2023.

Return on Assets (quarter, annualized)

0.04%-37 bps YoY

Net Interest Margin (quarter, annualized)

4.98%+172 bps YoY

Efficiency Ratio (quarter, annualized)

86.73%-123 bps YoY

Net Worth / Assets

9.80%+41 bps YoY

Discrete quarter, annualized.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets-0.26%0.04%0.23%0.41%0.33%1.20%1.55%0.04%-37 bps
Return on Equity-2.82%0.40%2.57%4.34%3.40%12.43%15.03%0.39%-395 bps
Net Interest Margin2.46%2.57%2.98%3.26%3.58%4.39%4.69%4.98%+172 bps
Efficiency Ratio109.92%98.66%92.46%87.96%91.12%73.24%67.72%86.73%-123 bps
Growth
Asset Growth (YoY)6.35%2.77%0.10%-1.69%-2.69%-0.36%-2.05%-3.80%-211 bps
Loan Growth (YoY)3.36%10.43%5.92%5.11%7.35%-1.18%2.36%3.97%-114 bps
Share Growth (YoY)7.42%3.46%0.21%-1.91%-5.20%-1.09%-3.28%-4.20%-229 bps
Asset Quality
Delinquent Loans / Loans0.36%0.45%0.49%0.77%0.65%0.68%1.04%1.15%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.42%0.40%0.41%0.41%0.39%0.41%0.40%1.19%+79 bps
Capital
Risk-Based Capital9.08%9.00%9.13%9.39%9.66%9.64%10.30%9.80%+41 bps
Net Worth / Assets9.08%9.00%9.13%9.39%9.66%9.64%10.30%9.80%+41 bps
Liquidity & Funding
Loans / Shares36.98%38.25%37.56%38.33%41.87%38.21%39.74%41.60%+327 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps