Glendale, AZ · Charter 61451
NCUA · 1 branch
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.78% | -3.14% | -3.20% | -3.03% | -3.75% | -4.19% | -4.13% | -251% | -24,787 bps | |
| Return on Equity | -18.71% | -22.49% | -22.79% | -22.76% | -29.04% | -35.19% | -37.46% | n/a | n/a | |
| Net Interest Margin | 2.08% | 1.97% | 2.00% | 1.89% | 1.79% | 1.75% | 1.63% | 102.54% | +10,065 bps | |
| Efficiency Ratio | 234% | 260% | 260% | 268% | 335% | 361% | 372% | 385% | +11,697 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.37% | -3.18% | -6.82% | -5.09% | -8.58% | -9.57% | -5.30% | -98.70% | -9,362 bps | |
| Loan Growth (YoY) | -31.81% | -25.87% | -13.27% | -20.64% | -31.32% | -34.06% | -42.83% | -100.00% | -7,936 bps | |
| Share Growth (YoY) | -10.01% | -0.67% | -5.14% | -2.74% | -6.73% | -7.62% | -2.17% | -100.00% | -9,726 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| 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 | 1.09% | 1.23% | 1.22% | 1.00% | 1.00% | 1.00% | 1.00% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 14.85% | 13.98% | 14.03% | 13.31% | 12.91% | 11.91% | 11.03% | 0.00% | -1,331 bps | |
| Net Worth / Assets | 14.85% | 13.98% | 14.03% | 13.31% | 12.91% | 11.91% | 11.03% | 0.00% | -1,331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.04% | 62.43% | 66.77% | 63.55% | 52.31% | 44.56% | 39.02% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |