Las Vegas, NV · Charter 7698
NCUA · 1 branch
Q3 2022
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.54% | -0.73% | -0.89% | -0.92% | -1.05% | -1.39% | -2.63% | -2.25% | -133 bps | |
| Return on Equity | -5.06% | -2.44% | -3.01% | -3.16% | -3.50% | -4.74% | -9.15% | -7.60% | -444 bps | |
| Net Interest Margin | 4.03% | 3.76% | 3.78% | 3.66% | 3.76% | 3.21% | 3.19% | 3.34% | -33 bps | |
| Efficiency Ratio | 114.48% | 121.30% | 123.11% | 124.40% | 126.92% | 144.30% | 174.46% | 162.21% | +3,781 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.37% | 6.06% | 2.25% | 2.76% | -1.79% | -2.88% | -3.30% | -8.14% | -1,090 bps | |
| Loan Growth (YoY) | -0.47% | 2.97% | 5.64% | -1.54% | -9.45% | -15.18% | -17.20% | -20.38% | -1,884 bps | |
| Share Growth (YoY) | 15.33% | 11.80% | 6.05% | 5.65% | -1.12% | -2.46% | -2.09% | -9.05% | -1,470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 0.45% | 2.68% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.37% | 29.72% | 29.62% | 29.01% | 29.88% | 29.40% | 28.73% | 29.55% | +54 bps | |
| Net Worth / Assets | 30.37% | 29.72% | 29.62% | 29.01% | 29.88% | 29.40% | 28.73% | 29.55% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.08% | 47.26% | 48.29% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |