Chandler, AZ · Charter 60651
NCUA · 1 branch
Q2 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.76% | -0.85% | -0.91% | -1.18% | -0.08% | +68 bps | |
| Return on Equity | -11.71% | -12.46% | -14.04% | -19.61% | -1.26% | +1,045 bps | |
| Net Interest Margin | 2.08% | 2.26% | 2.20% | 1.86% | 1.89% | -19 bps | |
| Efficiency Ratio | 136.11% | 133.26% | 134.23% | 142.87% | 102.00% | -3,411 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.46% | -1.20% | -1.86% | -8.51% | -2.90% | -1,136 bps | |
| Loan Growth (YoY) | -23.28% | -19.55% | -17.32% | -19.05% | -17.90% | +538 bps | |
| Share Growth (YoY) | 9.11% | -0.12% | -0.66% | -7.16% | -2.08% | -1,119 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.05% | 0.05% | 0.37% | 0.05% | 0.11% | +6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.75% | 0.79% | 0.80% | 0.84% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.47% | 6.85% | 6.50% | 6.00% | 6.15% | -32 bps | |
| Net Worth / Assets | 6.47% | 6.85% | 6.50% | 6.00% | 6.15% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.56% | 46.26% | 42.62% | 37.33% | 35.69% | -688 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 98.13% | 0.00% | 0 bps | |