San Bernardino, CA · Charter 60700
NCUA · 20 branches
Q4 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.40% | 0.38% | 0.37% | 0.69% | 0.81% | 0.99% | 0.95% | +58 bps | |
| Return on Equity | 4.39% | 3.83% | 3.63% | 3.45% | 6.34% | 7.14% | 8.43% | 8.27% | +482 bps | |
| Net Interest Margin | 2.42% | 2.54% | 2.58% | 2.74% | 3.36% | 3.74% | 3.95% | 3.99% | +126 bps | |
| Efficiency Ratio | 82.00% | 83.36% | 83.54% | 83.27% | 74.53% | 74.18% | 71.69% | 71.20% | -1,207 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.60% | 4.10% | 6.74% | -0.01% | -2.93% | -3.15% | -3.67% | 2.27% | +228 bps | |
| Loan Growth (YoY) | 60.45% | 55.03% | 44.75% | 24.88% | 14.70% | 14.03% | 12.63% | 13.40% | -1,148 bps | |
| Share Growth (YoY) | 1.11% | -2.74% | -4.23% | -2.66% | -1.59% | 0.00% | 2.47% | 7.24% | +990 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.26% | 0.38% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.25% | 10.48% | 10.52% | 10.77% | 10.95% | 11.35% | 11.69% | 11.51% | +74 bps | |
| Net Worth / Assets | 10.25% | 10.48% | 10.52% | 10.77% | 10.95% | 11.35% | 11.69% | 11.51% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.28% | 55.79% | 60.32% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |