Tucson, AZ · Charter 66116
NCUA · 2 branches
Q4 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -0.51% | -0.34% | -0.42% | 0.01% | 0.05% | 0.05% | 0.12% | +55 bps | |
| Return on Equity | -6.71% | -7.67% | -4.97% | -6.19% | 0.18% | 0.80% | 0.69% | 1.79% | +799 bps | |
| Net Interest Margin | 3.38% | 3.33% | 3.39% | 3.47% | 3.35% | 3.37% | 3.37% | 3.45% | -2 bps | |
| Efficiency Ratio | 88.78% | 92.20% | 91.97% | 92.81% | 92.71% | 90.28% | 90.10% | 87.76% | -505 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.62% | 5.74% | 1.91% | -5.70% | -10.29% | -6.91% | -2.82% | 0.49% | +619 bps | |
| Loan Growth (YoY) | 39.54% | 24.81% | 6.34% | -3.84% | -10.57% | -10.90% | -13.02% | -12.25% | -841 bps | |
| Share Growth (YoY) | 2.80% | -0.28% | -0.19% | 0.39% | -2.91% | -0.19% | 0.24% | 2.74% | +236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.35% | 0.31% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 0.88% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.57% | 6.61% | 6.79% | 6.86% | 7.02% | 6.88% | 6.77% | 6.86% | 0 bps | |
| Net Worth / Assets | 6.57% | 6.61% | 6.79% | 6.86% | 7.02% | 6.88% | 6.77% | 6.86% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.59% | 84.55% | 82.22% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |