Pasadena, CA · Charter 3378
NCUA · 4 branches
Q1 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.36% | 0.42% | 0.59% | -12.25% | -1,263 bps | |
| Return on Equity | 1.97% | 1.81% | 2.05% | 2.82% | -69.08% | -7,105 bps | |
| Net Interest Margin | 3.02% | 3.11% | 3.23% | 3.31% | -8.90% | -1,192 bps | |
| Efficiency Ratio | 90.62% | 91.45% | 90.41% | 86.82% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -5.06% | -6.58% | -8.40% | -4.38% | -4.15% | +91 bps | |
| Loan Growth (YoY) | 7.81% | 7.81% | 5.27% | 4.62% | -0.37% | -818 bps | |
| Share Growth (YoY) | -6.82% | -6.26% | -8.18% | -5.52% | -0.45% | +638 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.14% | 0.25% | 0.34% | 0.58% | +49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.24% | 0.23% | 0.22% | 0.17% | 0.17% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.46% | 20.05% | 20.63% | 21.05% | 17.73% | -173 bps | |
| Net Worth / Assets | 19.46% | 20.05% | 20.63% | 21.05% | 17.73% | -173 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.40% | 81.11% | 83.19% | 85.54% | 78.46% | +6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |