San Bernardino, CA · Charter 60700
NCUA · 20 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=413). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
44
Profitability
83
Liquidity
0
Efficiency
62
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
San Bernardino, CA · Charter 60700
NCUA · 20 branches
Q4 2024
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.69% | 0.81% | 0.99% | 0.95% | +58 bps | |
| Return on Equity | 3.45% | 6.34% | 7.14% | 8.43% | 8.27% | +482 bps | |
| Net Interest Margin | 2.74% | 3.36% | 3.74% | 3.95% | 3.99% | +126 bps | |
| Efficiency Ratio | 83.27% | 74.53% | 74.18% | 71.69% | 71.20% | -1,207 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.01% | -2.93% | -3.15% | -3.67% | 2.27% | +228 bps | |
| Loan Growth (YoY) | 24.88% | 14.70% | 14.03% | 12.63% | 13.40% | -1,148 bps | |
| Share Growth (YoY) | -2.66% | -1.59% | 0.00% | 2.47% | 7.24% | +990 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.48% | 0.61% | 0.67% | 0.74% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.77% | 10.95% | 11.35% | 11.69% | 11.51% | +74 bps | |
| Net Worth / Assets | 10.77% | 10.95% | 11.35% | 11.69% | 11.51% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.86% | 60.93% | 63.62% | 66.31% | 65.41% | +355 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Bernardino, CA · Charter 60700 · Peer group: credit unions $1B-$10B in assets (n=413)
NCUA · 20 branches
Q4 2024
Return on Assets
0.95%
Rank 89 of 413
Net Interest Margin
3.99%
Rank 23 of 413
Efficiency Ratio
71.20%
Rank 156 of 413
Equity / Assets
11.51%
Rank 153 of 413
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.30% | 0.60% | 0.87% | Beats 78% | 89 / 413 | |
| Return on Equity | 8.27% | 2.83% | 5.49% | 7.94% | Beats 78% | 89 / 413 | |
| Net Interest Margin | 3.99% | 2.56% | 2.96% | 3.37% | Beats 94% | 23 / 413 | |
| Efficiency Ratio | 71.20% | 67.55% | 74.86% | 81.03% | Beats 62% | 156 / 413 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.74% | 0.44% | 0.68% | 1.01% | Beats 44% | 231 / 413 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.51% | 9.62% | 10.67% | 12.29% | Beats 63% | 153 / 413 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.51% | 9.62% | 10.67% | 12.29% | Beats 63% | 153 / 413 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 65.41% | 78.44% | 89.19% | 96.66% | 9th pctl | 376 / 413 | |
| Loans / Assets | 56.91% | 68.04% | 74.91% | 81.25% | 9th pctl | 377 / 413 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||