Tucson, AZ · Charter 66116
NCUA · 2 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
61
Profitability
28
Liquidity
90
Efficiency
25
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Tucson, AZ · Charter 66116
NCUA · 2 branches
Q4 2024
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | 0.01% | 0.05% | 0.05% | 0.12% | +55 bps | |
| Return on Equity | -6.19% | 0.18% | 0.80% | 0.69% | 1.79% | +799 bps | |
| Net Interest Margin | 3.47% | 3.35% | 3.37% | 3.37% | 3.45% | -2 bps | |
| Efficiency Ratio | 92.81% | 92.71% | 90.28% | 90.10% | 87.76% | -505 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.70% | -10.29% | -6.91% | -2.82% | 0.49% | +619 bps | |
| Loan Growth (YoY) | -3.84% | -10.57% | -10.90% | -13.02% | -12.25% | -841 bps | |
| Share Growth (YoY) | 0.39% | -2.91% | -0.19% | 0.24% | 2.74% | +236 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.32% | 0.43% | 0.40% | 0.49% | +18 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.86% | 7.02% | 6.88% | 6.77% | 6.86% | 0 bps | |
| Net Worth / Assets | 6.86% | 7.02% | 6.88% | 6.77% | 6.86% | 0 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.30% | 78.84% | 75.48% | 71.34% | 69.43% | -1,187 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tucson, AZ · Charter 66116 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
Return on Assets
0.12%
Rank 1,418 of 1,724
Net Interest Margin
3.45%
Rank 992 of 1,723
Efficiency Ratio
87.76%
Rank 1,299 of 1,721
Equity / Assets
6.86%
Rank 1,701 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.25% | 0.67% | 1.13% | Beats 18% | 1,418 / 1,724 | |
| Return on Equity | 1.79% | 1.95% | 5.34% | 8.54% | Beats 24% | 1,311 / 1,723 | |
| Net Interest Margin | 3.45% | 3.03% | 3.61% | 4.27% | Beats 42% | 992 / 1,723 | |
| Efficiency Ratio | 87.76% | 69.84% | 78.36% | 87.50% | Beats 25% | 1,299 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.49% | 0.28% | 0.70% | 1.38% | Beats 61% | 667 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 6.86% | 10.16% | 12.41% | 16.03% | Beats 1% | 1,702 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 6.86% | 10.15% | 12.41% | 16.03% | Beats 1% | 1,701 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.43% | 55.95% | 72.66% | 85.34% | 45th pctl | 948 / 1,722 | |
| Loans / Assets | 66.47% | 47.91% | 62.00% | 72.82% | 60th pctl | 685 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||