City of Industr, CA · Charter 6072
NCUA · 3 branches
Q3 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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.09% | -0.02% | 0.06% | 0.12% | +4 bps | |
| Return on Equity | 0.80% | 0.90% | -0.19% | 0.59% | 1.15% | +36 bps | |
| Net Interest Margin | 2.30% | 2.17% | 2.17% | 2.27% | 2.37% | +7 bps | |
| Efficiency Ratio | 93.82% | 92.63% | 104.80% | 99.82% | 97.05% | +323 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.80% | 13.27% | 16.57% | 12.18% | 2.79% | -201 bps | |
| Loan Growth (YoY) | 10.38% | 14.51% | 10.54% | 1.30% | -1.53% | -1,190 bps | |
| Share Growth (YoY) | 5.38% | 3.70% | 8.12% | 5.61% | 2.19% | -319 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.07% | 0.22% | 0.16% | 0.60% | 0.56% | +49 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 | 10.38% | 9.79% | 9.57% | 9.81% | 10.20% | -18 bps | |
| Net Worth / Assets | 10.38% | 9.79% | 9.57% | 9.81% | 10.20% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.68% | 85.75% | 80.36% | 78.69% | 78.70% | -297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |