Chandler, AZ · Charter 60651
NCUA · 1 branch
Q2 2022
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 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.38% | -0.52% | -0.76% | -0.85% | -0.91% | -1.18% | -0.08% | +68 bps | |
| Return on Equity | -0.84% | -5.28% | -8.08% | -11.71% | -12.46% | -14.04% | -19.61% | -1.26% | +1,045 bps | |
| Net Interest Margin | 3.20% | 3.02% | 2.05% | 2.08% | 2.26% | 2.20% | 1.86% | 1.89% | -19 bps | |
| Efficiency Ratio | 100.28% | 109.46% | 118.49% | 136.11% | 133.26% | 134.23% | 142.87% | 102.00% | -3,411 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.65% | 8.32% | 18.52% | 8.46% | -1.20% | -1.86% | -8.51% | -2.90% | -1,136 bps | |
| Loan Growth (YoY) | -14.29% | -19.83% | -24.33% | -23.28% | -19.55% | -17.32% | -19.05% | -17.90% | +538 bps | |
| Share Growth (YoY) | 2.97% | 9.29% | 18.28% | 9.11% | -0.12% | -0.66% | -7.16% | -2.08% | -1,119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.06% | 0.06% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.88% | 1.01% | 0.73% | 0.75% | 0.79% | 0.80% | 0.84% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.74% | 7.28% | 6.44% | 6.47% | 6.85% | 6.50% | 6.00% | 6.15% | -32 bps | |
| Net Worth / Assets | 7.74% | 7.28% | 6.44% | 6.47% | 6.85% | 6.50% | 6.00% | 6.15% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.43% | 51.21% | 42.81% | 42.56% | 46.26% | 42.62% | 37.33% | 35.69% | -688 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.13% | 0.00% | 0 bps | |