Stockton, CA · Charter 64515
NCUA · 4 branches
Q1 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.02% | 0.03% | 0.08% | -0.12% | 0.04% | 0.09% | -0.02% | -0.44% | -32 bps | |
| Return on Equity | -0.21% | 0.30% | 0.90% | -1.54% | 0.57% | 1.19% | -0.27% | -5.87% | -433 bps | |
| Net Interest Margin | 2.44% | 2.28% | 2.21% | 2.00% | 1.97% | 1.93% | 1.82% | 1.66% | -33 bps | |
| Efficiency Ratio | 92.66% | 93.17% | 93.40% | 100.42% | 96.40% | 96.46% | 100.20% | 109.07% | +865 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.44% | 17.60% | 18.16% | 25.07% | 17.70% | 14.66% | 13.38% | 4.74% | -2,033 bps | |
| Loan Growth (YoY) | 5.25% | 11.69% | 9.74% | 20.44% | 1.39% | -6.33% | -17.84% | -28.78% | -4,922 bps | |
| Share Growth (YoY) | 12.32% | 16.86% | 20.58% | 27.69% | 19.84% | 18.39% | 16.21% | 8.15% | -1,955 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.10% | 0.13% | 0.33% | 0.25% | 0.20% | 0.41% | 0.14% | -18 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 | 1.33% | 1.49% | 1.29% | 1.26% | 1.30% | 1.23% | 1.20% | 1.30% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.98% | 8.60% | 8.57% | 7.90% | 7.73% | 7.62% | 7.54% | 7.44% | -46 bps | |
| Net Worth / Assets | 8.98% | 8.60% | 8.57% | 7.90% | 7.73% | 7.62% | 7.54% | 7.44% | -46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.68% | 48.41% | 49.53% | 47.59% | 42.03% | 38.30% | 35.02% | 31.34% | -1,625 bps | |
| Liquid Assets / Assets | 98.17% | 98.21% | 99.52% | 97.50% | 99.26% | 99.58% | 99.85% | 0.00% | -9,750 bps | |