San Leandro, CA · Charter 23953
NCUA · 2 branches
Q2 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.70% | -1.30% | -0.74% | -0.95% | -1.15% | -1.31% | -8.75% | -13.84% | -1,289 bps | |
| Return on Equity | -17.94% | -13.68% | -8.11% | -10.37% | -13.05% | -14.59% | -120.55% | -529% | -51,825 bps | |
| Net Interest Margin | 2.97% | 2.99% | 3.10% | 3.18% | 2.93% | 3.04% | -0.09% | 1.60% | -158 bps | |
| Efficiency Ratio | 128.92% | 129.16% | 130.82% | 132.96% | 145.79% | 147.51% | 7829% | 820% | +68,699 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.24% | -7.20% | -1.48% | -3.53% | -2.60% | -7.83% | -13.46% | -12.55% | -902 bps | |
| Loan Growth (YoY) | -4.40% | -4.97% | -9.79% | -9.10% | -16.20% | -14.26% | -9.74% | -13.63% | -453 bps | |
| Share Growth (YoY) | -6.72% | -5.84% | 0.36% | -2.11% | -1.66% | -6.80% | -11.22% | -5.52% | -341 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.64% | 1.53% | 0.69% | 2.90% | +290 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 | 2.92% | 1.64% | 1.44% | 1.39% | 0.43% | 0.32% | 0.27% | 0.29% | -110 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.48% | 9.49% | 9.19% | 9.19% | 8.84% | 8.98% | 7.26% | 2.62% | -658 bps | |
| Net Worth / Assets | 9.48% | 9.49% | 9.19% | 9.19% | 8.84% | 8.98% | 7.26% | 2.62% | -658 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.91% | 21.92% | 19.63% | 19.85% | 18.67% | 20.16% | 19.96% | 18.14% | -170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |