Pasadena, CA · Charter 22141
NCUA · 2 branches
Q4 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.09% | 0.03% | 0.05% | -0.19% | -0.34% | -0.26% | -0.51% | -56 bps | |
| Return on Equity | 2.03% | 0.77% | 0.24% | 0.45% | -1.72% | -3.16% | -2.34% | -5.20% | -566 bps | |
| Net Interest Margin | 1.99% | 1.99% | 1.98% | 1.97% | 1.90% | 1.99% | 2.10% | 1.98% | +1 bps | |
| Efficiency Ratio | 88.98% | 91.91% | 95.84% | 94.14% | 107.88% | 106.37% | 102.59% | 111.28% | +1,714 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.39% | 3.71% | 4.58% | 4.94% | 1.98% | 0.82% | -0.26% | 7.78% | +284 bps | |
| Loan Growth (YoY) | 6.51% | 11.73% | 10.45% | 6.50% | 7.75% | 6.99% | 10.13% | 16.57% | +1,007 bps | |
| Share Growth (YoY) | 7.68% | 9.67% | 10.71% | 8.82% | 8.04% | 0.45% | -0.60% | 12.79% | +397 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.11% | 0.16% | 0.13% | 0.15% | 0.21% | 0.23% | 0.19% | +7 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 | 0.41% | 0.44% | 0.40% | 0.39% | 0.34% | 0.34% | 0.37% | 0.39% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.24% | 11.13% | 11.05% | 11.14% | 10.97% | 10.88% | 10.92% | 9.83% | -132 bps | |
| Net Worth / Assets | 11.24% | 11.13% | 11.05% | 11.14% | 10.97% | 10.88% | 10.92% | 9.83% | -132 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.61% | 64.71% | 64.65% | 64.67% | 65.44% | 68.92% | 71.63% | 66.84% | +217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |