Phoenix, AZ · Charter 3238
NCUA · 46 branches
Q1 2020
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 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.56% | 1.69% | 1.53% | 1.47% | 1.45% | 1.40% | 1.16% | 0.65% | -83 bps | |
| Return on Equity | 11.98% | 12.40% | 11.13% | 11.02% | 10.65% | 10.10% | 8.50% | 5.12% | -591 bps | |
| Net Interest Margin | 2.51% | 2.55% | 2.56% | 2.51% | 2.55% | 2.55% | 2.49% | 2.13% | -38 bps | |
| Efficiency Ratio | 69.12% | 67.39% | 68.93% | 68.75% | 69.52% | 70.78% | 74.64% | 83.38% | +1,462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.94% | 3.22% | 4.17% | 5.66% | 7.22% | 8.35% | 10.13% | 13.69% | +803 bps | |
| Loan Growth (YoY) | 9.41% | 10.12% | 9.67% | 10.25% | 10.85% | 10.26% | 9.98% | 7.77% | -248 bps | |
| Share Growth (YoY) | 5.29% | 3.71% | 5.34% | 5.72% | 5.53% | 7.22% | 9.23% | 9.69% | +397 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.27% | 0.26% | 0.21% | 0.21% | 0.26% | 0.25% | 0.25% | +4 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 | 0.79% | 0.75% | 0.78% | 0.73% | 0.68% | 0.64% | 0.65% | 0.64% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.07% | 13.62% | 13.79% | 13.36% | 13.59% | 13.86% | 13.66% | 12.65% | -71 bps | |
| Net Worth / Assets | 13.07% | 13.62% | 13.79% | 13.36% | 13.59% | 13.86% | 13.66% | 12.65% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.74% | 53.82% | 54.84% | 52.67% | 54.35% | 55.34% | 55.21% | 51.74% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |