Sylmar, CA · Charter 64576
NCUA · 1 branch
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Sylmar, CA · Charter 64576
NCUA · 1 branch
Q3 2022
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.13% | -6.71% | -2.36% | -2.46% | -2.76% | -64 bps | |
| Return on Equity | -17.47% | -93.33% | -35.40% | -40.14% | -51.38% | -3,391 bps | |
| Net Interest Margin | 1.28% | -3.10% | 0.56% | 0.49% | 0.64% | -64 bps | |
| Efficiency Ratio | 266% | n/a | 524% | 606% | 543% | +27,697 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.76% | -11.54% | -11.50% | -11.17% | -4.41% | +736 bps | |
| Loan Growth (YoY) | -65.65% | -70.03% | -77.41% | -87.38% | -100.00% | -3,435 bps | |
| Share Growth (YoY) | -7.19% | -6.40% | -6.12% | -5.46% | 3.14% | +1,033 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.51% | 0.60% | 1.02% | 2.74% | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 12.17% | 7.19% | 6.66% | 6.13% | 5.38% | -679 bps | |
| Net Worth / Assets | 12.17% | 7.19% | 6.66% | 6.13% | 5.38% | -679 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.67% | 10.30% | 5.77% | 2.18% | 0.00% | -1,367 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |