Stockton, CA · Charter 60463
NCUA · 6 branches
Q3 2021
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 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.22% | -0.09% | 0.43% | 0.41% | -4.99% | -477 bps | |
| Return on Equity | -1.30% | -0.52% | 2.69% | 2.54% | -40.24% | -3,894 bps | |
| Net Interest Margin | 2.07% | 2.05% | 1.90% | 1.82% | -1.33% | -340 bps | |
| Efficiency Ratio | 99.00% | 96.58% | 86.58% | 88.40% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 15.27% | 17.10% | 18.11% | 11.22% | 7.11% | -816 bps | |
| Loan Growth (YoY) | -16.43% | -21.78% | -24.35% | -27.29% | -24.96% | -853 bps | |
| Share Growth (YoY) | 18.22% | 20.70% | 24.47% | 14.77% | 14.81% | -341 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.20% | 0.07% | 0.04% | 0.09% | -25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | |
| Allowance / Loans | 1.83% | 1.74% | 1.63% | 1.52% | 1.53% | -30 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.21% | 16.77% | 16.13% | 16.04% | 12.40% | -481 bps | |
| Net Worth / Assets | 17.21% | 16.77% | 16.13% | 16.04% | 12.40% | -481 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.95% | 25.89% | 22.61% | 20.72% | 18.93% | -1,003 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |