San Bernardin0, CA · Charter 68027
NCUA · 1 branch
Q1 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 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | -0.23% | -0.48% | -2.77% | -19.17% | -1,955 bps | |
| Return on Equity | 4.41% | -2.91% | -6.11% | -50.65% | -546% | -55,055 bps | |
| Net Interest Margin | 3.30% | 3.14% | 2.85% | 2.74% | 2.38% | -92 bps | |
| Efficiency Ratio | 90.48% | 103.79% | 111.68% | 111.22% | 122.44% | +3,196 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.78% | 0.12% | -2.55% | 3.53% | -5.99% | -121 bps | |
| Loan Growth (YoY) | 54.41% | 64.18% | 52.47% | 20.85% | -3.02% | -5,743 bps | |
| Share Growth (YoY) | -2.70% | -0.81% | 0.40% | 5.49% | 3.85% | +655 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 4.18% | 7.49% | 10.89% | 5.65% | +421 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.03% | 0.06% | 0.06% | 0.00% | 0.00% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.41% | 8.05% | 7.81% | 5.46% | 3.51% | -490 bps | |
| Net Worth / Assets | 8.41% | 8.05% | 7.81% | 5.46% | 3.51% | -490 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.38% | 47.07% | 46.30% | 46.88% | 41.45% | -293 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |