Berkeley, CA · Charter 4900
NCUA · 2 branches
Q1 2024
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 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.04% | -0.05% | -0.13% | -0.59% | -0.61% | -0.47% | 0.25% | +37 bps | |
| Return on Equity | -1.91% | -0.60% | -0.79% | -1.96% | -9.56% | -9.87% | -7.37% | 3.75% | +571 bps | |
| Net Interest Margin | 2.31% | 2.38% | 2.51% | 2.72% | 2.67% | 2.73% | 2.91% | 3.15% | +44 bps | |
| Efficiency Ratio | 103.09% | 99.41% | 99.66% | 99.28% | 100.41% | 102.12% | 99.83% | 90.63% | -865 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.66% | -1.09% | -3.92% | -4.00% | -3.49% | -5.79% | -7.31% | -8.71% | -472 bps | |
| Loan Growth (YoY) | -3.49% | 1.16% | 7.49% | 11.27% | 10.27% | 9.46% | 3.64% | -0.27% | -1,154 bps | |
| Share Growth (YoY) | 0.49% | -1.06% | -4.36% | -4.74% | -2.97% | -5.61% | -6.76% | -8.35% | -360 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.97% | 1.22% | 1.76% | 1.46% | 1.31% | 0.97% | 0.85% | 0.78% | -68 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 | 0.52% | 0.46% | 0.35% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.23% | 6.26% | 6.43% | 6.41% | 6.17% | 6.16% | 6.42% | 6.59% | +18 bps | |
| Net Worth / Assets | 6.23% | 6.26% | 6.43% | 6.41% | 6.17% | 6.16% | 6.42% | 6.59% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.43% | 51.77% | 56.30% | 57.73% | 57.32% | 60.04% | 62.58% | 62.82% | +509 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |