PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Matson Employees

San Francisco, CA · Charter 2843

NCUA · 2 branches

Q1 2025

$21.4MAssets
$7.3MLoans
$13.3MShares
$7.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.15%, down 1 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.60% of loans (+44 bps YoY).
  • Capital: net worth / assets of 35.22%, up 455 bps from a year ago.
  • Funding: loans stand at 55.01% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.15%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+57 bps YoY

Efficiency Ratio (YTD, annualized)

86.73%-690 bps YoY

Net Worth / Assets

35.22%+455 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.16%0.18%0.25%0.29%0.15%-1 bps
Return on Equity0.52%0.56%0.78%0.86%0.43%-9 bps
Net Interest Margin2.63%2.73%2.86%3.02%3.20%+57 bps
Efficiency Ratio93.64%93.54%91.49%90.88%86.73%-690 bps
Growth
Asset Growth (YoY)-5.47%-6.78%-7.96%-11.57%-12.18%-671 bps
Loan Growth (YoY)13.00%8.15%7.68%8.48%3.41%-959 bps
Share Growth (YoY)-14.02%-13.82%-9.89%-10.85%-13.77%+25 bps
Asset Quality
Delinquent Loans / Loans0.16%0.15%0.30%0.80%0.60%+44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital30.68%31.52%32.57%33.98%35.22%+455 bps
Net Worth / Assets30.68%31.52%32.57%33.98%35.22%+455 bps
Liquidity & Funding
Loans / Shares45.87%49.41%51.90%54.79%55.01%+914 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps