San Diego, CA · Charter 68463
NCUA · 2 branches
Q4 2024
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 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.10% | 0.08% | 0.06% | 0.08% | 0.05% | 0.09% | 0.12% | +6 bps | |
| Return on Equity | 1.48% | 1.00% | 0.84% | 0.57% | 0.79% | 0.47% | 0.97% | 1.29% | +72 bps | |
| Net Interest Margin | 2.24% | 2.26% | 2.25% | 2.29% | 1.97% | 2.14% | 2.06% | 2.05% | -24 bps | |
| Efficiency Ratio | 97.22% | 98.59% | 98.81% | 100.32% | 97.32% | 96.30% | 94.49% | 93.66% | -665 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.24% | -10.97% | -8.31% | -10.90% | -4.38% | -3.94% | 3.52% | 9.79% | +2,069 bps | |
| Loan Growth (YoY) | -7.46% | -6.03% | -5.77% | -6.53% | -7.10% | -6.17% | -5.95% | -6.94% | -40 bps | |
| Share Growth (YoY) | -13.00% | -14.26% | -9.22% | -12.28% | -2.32% | -1.86% | 2.52% | 8.68% | +2,096 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.19% | 0.01% | 0.01% | 0.00% | 0.17% | 0.10% | 0.01% | 0 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.23% | 9.69% | 9.85% | 10.25% | 9.68% | 10.11% | 9.58% | 9.45% | -80 bps | |
| Net Worth / Assets | 9.23% | 9.69% | 9.85% | 10.25% | 9.68% | 10.11% | 9.58% | 9.45% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.34% | 43.07% | 41.50% | 42.83% | 39.32% | 41.17% | 38.07% | 36.67% | -615 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |