Las Vegas, NV · Charter 7698
NCUA · 1 branch
Q3 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.92% | -1.05% | -1.39% | -2.63% | -2.25% | -133 bps | |
| Return on Equity | -3.16% | -3.50% | -4.74% | -9.15% | -7.60% | -444 bps | |
| Net Interest Margin | 3.66% | 3.76% | 3.21% | 3.19% | 3.34% | -33 bps | |
| Efficiency Ratio | 124.40% | 126.92% | 144.30% | 174.46% | 162.21% | +3,781 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.76% | -1.79% | -2.88% | -3.30% | -8.14% | -1,090 bps | |
| Loan Growth (YoY) | -1.54% | -9.45% | -15.18% | -17.20% | -20.38% | -1,884 bps | |
| Share Growth (YoY) | 5.65% | -1.12% | -2.46% | -2.09% | -9.05% | -1,470 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.91% | 4.56% | 4.46% | 4.71% | 8.41% | +551 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.01% | 29.88% | 29.40% | 28.73% | 29.55% | +54 bps | |
| Net Worth / Assets | 29.01% | 29.88% | 29.40% | 28.73% | 29.55% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.11% | 45.86% | 41.10% | 40.84% | 39.49% | -562 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |