Garberville, CA · Charter 65388
NCUA · 3 branches
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.29% | -2.52% | -2.02% | -0.14% | -0.16% | -0.45% | -0.42% | -0.63% | -49 bps | |
| Return on Equity | -29.91% | -36.33% | -30.20% | -2.06% | -2.32% | -6.39% | -6.10% | -8.56% | -650 bps | |
| Net Interest Margin | 3.12% | 3.12% | 3.15% | 2.55% | 2.79% | 3.06% | 3.27% | 3.70% | +114 bps | |
| Efficiency Ratio | 101.12% | 104.07% | 103.28% | 99.90% | 101.40% | 102.60% | 98.46% | 92.32% | -758 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.72% | -6.74% | -1.14% | -5.43% | -7.73% | -9.68% | -11.51% | -15.79% | -1,036 bps | |
| Loan Growth (YoY) | -1.75% | -9.20% | -7.47% | -7.91% | -10.02% | -14.94% | -16.12% | -14.83% | -693 bps | |
| Share Growth (YoY) | -5.26% | -1.35% | -1.65% | 4.19% | -0.27% | -3.58% | -5.48% | -16.56% | -2,075 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.44% | 2.92% | 3.08% | 2.82% | 4.29% | 4.21% | 4.50% | 2.27% | -56 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.67% | 6.94% | 6.71% | 6.95% | 7.08% | 7.00% | 6.91% | 7.41% | +46 bps | |
| Net Worth / Assets | 7.67% | 6.94% | 6.71% | 6.95% | 7.08% | 7.00% | 6.91% | 7.41% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.72% | 95.06% | 93.17% | 87.03% | 85.46% | 83.86% | 82.68% | 88.84% | +181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |