Barstow, CA · Charter 64578
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 | -2.72% | -2.89% | -4.72% | -3.74% | -3.02% | -30 bps | |
| Return on Equity | -42.11% | -50.69% | -103.14% | -85.14% | -73.11% | -3,100 bps | |
| Net Interest Margin | 2.27% | 2.23% | 1.81% | 1.92% | 2.08% | -19 bps | |
| Efficiency Ratio | 207% | 222% | 180.93% | 185.93% | 175.51% | -3,177 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.89% | -4.02% | -5.06% | -10.38% | -11.84% | -495 bps | |
| Loan Growth (YoY) | -24.99% | -25.78% | -27.12% | -25.74% | -25.67% | -68 bps | |
| Share Growth (YoY) | -4.88% | -1.30% | -1.94% | -7.56% | -9.32% | -444 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.80% | 1.64% | 3.89% | 4.02% | 4.38% | +259 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.45% | 5.71% | 4.58% | 4.39% | 4.13% | -232 bps | |
| Net Worth / Assets | 6.45% | 5.71% | 4.58% | 4.39% | 4.13% | -232 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |