San Luis Obispo, CA · Charter 4980
NCUA · 8 branches
Q4 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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.32% | 0.33% | 0.43% | 0.41% | -3 bps | |
| Return on Equity | 5.47% | 3.93% | 4.03% | 4.98% | 4.75% | -73 bps | |
| Net Interest Margin | 2.72% | 3.02% | 3.10% | 3.19% | 3.19% | +48 bps | |
| Efficiency Ratio | 83.34% | 87.11% | 86.59% | 84.00% | 84.38% | +103 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.70% | 0.04% | -0.32% | -1.34% | -2.44% | -413 bps | |
| Loan Growth (YoY) | 18.36% | 18.49% | 14.05% | 9.43% | 5.07% | -1,329 bps | |
| Share Growth (YoY) | -0.30% | -4.02% | -4.72% | -6.77% | -6.61% | -631 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.31% | 0.30% | 0.51% | 0.52% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.65% | 0.65% | 0.00% | 0.00% | -65 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.11% | 8.14% | 8.32% | 8.60% | 8.72% | +62 bps | |
| Net Worth / Assets | 8.11% | 8.14% | 8.32% | 8.60% | 8.72% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.36% | 77.70% | 79.65% | 83.03% | 84.79% | +943 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |