Redwood City, CA · Charter 68446
NCUA · 1 branch
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.59% | -0.33% | -0.39% | -0.57% | -0.71% | -0.73% | -0.76% | -0.47% | +10 bps | |
| Return on Equity | -7.22% | -4.63% | -5.61% | -7.59% | -10.38% | -10.52% | -12.17% | -7.36% | +24 bps | |
| Net Interest Margin | 3.26% | 2.81% | 2.80% | 3.05% | 2.53% | 2.54% | 2.29% | 2.20% | -85 bps | |
| Efficiency Ratio | 110.02% | 104.11% | 103.93% | 106.27% | 118.28% | 119.81% | 122.93% | 109.19% | +293 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 20.51% | 19.83% | 6.53% | 9.24% | -8.03% | -0.68% | 8.64% | +211 bps | |
| Loan Growth (YoY) | 0.53% | 4.96% | 4.43% | 4.99% | -12.19% | -18.69% | -25.64% | -35.24% | -4,023 bps | |
| Share Growth (YoY) | 3.23% | 24.03% | 22.96% | 8.05% | 9.64% | -7.91% | -0.07% | 9.54% | +149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.03% | 0.95% | 1.53% | 1.36% | 1.95% | 1.53% | 1.55% | +2 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 | 0.39% | 0.44% | 0.45% | 0.56% | 0.51% | 0.58% | 0.67% | 0.69% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.11% | 7.03% | 6.99% | 7.49% | 6.85% | 6.91% | 6.25% | 6.42% | -107 bps | |
| Net Worth / Assets | 8.11% | 7.03% | 6.99% | 7.49% | 6.85% | 6.91% | 6.25% | 6.42% | -107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.21% | 62.02% | 61.68% | 68.25% | 57.03% | 54.76% | 45.89% | 40.35% | -2,790 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |