Bishop, CA · Charter 65664
NCUA · 1 branch
Q3 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | -0.19% | 0.05% | -0.13% | -0.12% | -2.23% | 0.24% | 0.46% | +59 bps | |
| Return on Equity | -1.40% | -1.43% | 0.41% | -0.97% | -0.84% | -15.76% | 1.47% | 2.77% | +375 bps | |
| Net Interest Margin | 2.37% | 2.60% | 2.55% | 2.73% | 2.81% | 2.21% | 3.33% | 3.55% | +83 bps | |
| Efficiency Ratio | 107.47% | 101.88% | 97.99% | 101.97% | 104.16% | 201% | 92.86% | 86.98% | -1,498 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.00% | -2.24% | 0.65% | -3.45% | -9.99% | -12.59% | -24.23% | -24.44% | -2,099 bps | |
| Loan Growth (YoY) | -0.58% | -5.48% | 1.76% | 0.97% | -0.46% | 5.46% | 2.03% | 1.53% | +56 bps | |
| Share Growth (YoY) | -4.95% | -7.30% | -4.60% | -8.93% | -24.32% | -23.53% | -25.15% | -23.59% | -1,467 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.05% | 0.08% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.88% | 0.89% | 0.90% | 0.91% | 1.20% | 1.24% | 1.44% | +54 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.80% | 12.99% | 12.83% | 13.23% | 14.06% | 14.18% | 16.25% | 16.76% | +354 bps | |
| Net Worth / Assets | 12.80% | 12.99% | 12.83% | 13.23% | 14.06% | 14.18% | 16.25% | 16.76% | +354 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.64% | 37.21% | 39.37% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |