Tucson, AZ · Charter 9552
NCUA · 1 branch
Q1 2020
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.21% | 1.90% | 1.70% | 1.20% | -54.54% | -5,675 bps | |
| Return on Equity | 9.54% | 8.32% | 7.49% | 5.35% | -616% | -62,551 bps | |
| Net Interest Margin | 4.11% | 3.80% | 3.90% | 3.62% | -51.10% | -5,521 bps | |
| Efficiency Ratio | 47.47% | 51.58% | 51.55% | 64.22% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.33% | 3.75% | 4.78% | 8.66% | 6.25% | +292 bps | |
| Loan Growth (YoY) | 5.65% | 9.26% | 17.86% | 7.49% | -0.56% | -622 bps | |
| Share Growth (YoY) | 1.45% | 2.04% | 3.39% | 8.42% | 26.51% | +2,506 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.05% | 2.44% | 1.61% | 0.91% | 1.23% | -81 bps | |
| Net Charge-Offs / Loans | 30.49% | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.10% | 1.06% | 0.77% | 0.60% | 0.61% | -49 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.17% | 22.88% | 22.74% | 22.50% | 8.85% | -1,432 bps | |
| Net Worth / Assets | 23.17% | 22.88% | 22.74% | 22.50% | 8.85% | -1,432 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.43% | 78.33% | 81.28% | 74.30% | 61.64% | -1,678 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |