San Bernardin0, CA · Charter 68027
NCUA · 1 branch
Q1 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | -0.12% | -0.39% | 0.37% | -0.23% | -0.48% | -2.77% | -19.17% | -1,955 bps | |
| Return on Equity | -0.40% | -1.49% | -4.55% | 4.41% | -2.91% | -6.11% | -50.65% | -546% | -55,055 bps | |
| Net Interest Margin | 2.04% | 2.06% | 2.31% | 3.30% | 3.14% | 2.85% | 2.74% | 2.38% | -92 bps | |
| Efficiency Ratio | 100.36% | 103.58% | 113.05% | 90.48% | 103.79% | 111.68% | 111.22% | 122.44% | +3,196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.78% | -0.84% | -7.22% | -4.78% | 0.12% | -2.55% | 3.53% | -5.99% | -121 bps | |
| Loan Growth (YoY) | -9.01% | 5.71% | 37.95% | 54.41% | 64.18% | 52.47% | 20.85% | -3.02% | -5,743 bps | |
| Share Growth (YoY) | 7.12% | 8.41% | 0.34% | -2.70% | -0.81% | 0.40% | 5.49% | 3.85% | +655 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.32% | 0.22% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.23% | 0.13% | 0.03% | 0.06% | 0.06% | 0.00% | 0.00% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.52% | 8.26% | 8.52% | 8.41% | 8.05% | 7.81% | 5.46% | 3.51% | -490 bps | |
| Net Worth / Assets | 8.52% | 8.26% | 8.52% | 8.41% | 8.05% | 7.81% | 5.46% | 3.51% | -490 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.44% | 30.49% | 40.92% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |