Salinas, CA · Charter 65113
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 | 0.37% | 0.45% | 0.83% | 0.59% | -5.03% | -540 bps | |
| Return on Equity | 2.76% | 3.42% | 6.13% | 4.38% | -50.53% | -5,329 bps | |
| Net Interest Margin | 2.56% | 2.50% | 2.38% | 2.37% | 0.06% | -250 bps | |
| Efficiency Ratio | 90.04% | 88.25% | 88.51% | 88.69% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.34% | 5.35% | 0.27% | 2.71% | -0.41% | -475 bps | |
| Loan Growth (YoY) | -0.72% | -1.52% | -1.10% | -4.24% | -4.78% | -405 bps | |
| Share Growth (YoY) | 4.76% | 6.22% | 1.02% | 5.10% | 4.47% | -30 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.15% | 0.75% | 0.82% | 0.13% | -34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.06% | 0.75% | 0.67% | 0.38% | -73 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.47% | 13.29% | 13.46% | 13.44% | 9.95% | -352 bps | |
| Net Worth / Assets | 13.47% | 13.29% | 13.46% | 13.44% | 9.95% | -352 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.05% | 42.42% | 41.46% | 41.01% | 41.06% | -399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |