Barstow, CA · Charter 64578
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.
Barstow, CA · Charter 64578
NCUA · 1 branch
Q3 2022
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.75% | -2.71% | -2.61% | -2.72% | -2.89% | -4.72% | -3.74% | -3.02% | -30 bps | |
| Return on Equity | -33.37% | -35.84% | -36.45% | -42.11% | -50.69% | -103.14% | -85.14% | -73.11% | -3,100 bps | |
| Net Interest Margin | 3.31% | 2.31% | 2.32% | 2.27% | 2.23% | 1.81% | 1.92% | 2.08% | -19 bps | |
| Efficiency Ratio | 147.72% | 205% | 198.60% | 207% | 222% | 180.93% | 185.93% | 175.51% | -3,177 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.17% | -5.25% | -8.11% | -6.89% | -4.02% | -5.06% | -10.38% | -11.84% | -495 bps | |
| Loan Growth (YoY) | -13.45% | -15.80% | -20.34% | -24.99% | -25.78% | -27.12% | -25.74% | -25.67% | -68 bps | |
| Share Growth (YoY) | -2.95% | -2.83% | -6.49% | -4.88% | -1.30% | -1.94% | -7.56% | -9.32% | -444 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 1.43% | 0.51% | 0.67% | 1.14% | 6.19% | 4.32% | 4.51% | +384 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 | 1.95% | 2.02% | 1.53% | 1.80% | 1.64% | 3.89% | 4.02% | 4.38% | +259 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.25% | 7.56% | 7.16% | 6.45% | 5.71% | 4.58% | 4.39% | 4.13% | -232 bps | |
| Net Worth / Assets | 8.25% | 7.56% | 7.16% | 6.45% | 5.71% | 4.58% | 4.39% | 4.13% | -232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.42% | 42.18% | 39.22% | 35.44% | 34.16% | 31.35% | 31.50% | 29.05% | -639 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |