Bishop, CA · Charter 65664
NCUA · 1 branch
Q3 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | -0.12% | -2.23% | 0.24% | 0.46% | +59 bps | |
| Return on Equity | -0.97% | -0.84% | -15.76% | 1.47% | 2.77% | +375 bps | |
| Net Interest Margin | 2.73% | 2.81% | 2.21% | 3.33% | 3.55% | +83 bps | |
| Efficiency Ratio | 101.97% | 104.16% | 201% | 92.86% | 86.98% | -1,498 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.45% | -9.99% | -12.59% | -24.23% | -24.44% | -2,099 bps | |
| Loan Growth (YoY) | 0.97% | -0.46% | 5.46% | 2.03% | 1.53% | +56 bps | |
| Share Growth (YoY) | -8.93% | -24.32% | -23.53% | -25.15% | -23.59% | -1,467 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 1.29% | 0.28% | 0.26% | 0.02% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.91% | 1.20% | 1.24% | 1.44% | +54 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.23% | 14.06% | 14.18% | 16.25% | 16.76% | +354 bps | |
| Net Worth / Assets | 13.23% | 14.06% | 14.18% | 16.25% | 16.76% | +354 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.45% | 50.82% | 51.32% | 53.66% | 55.08% | +1,363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |