Tucson, AZ · Charter 9552
NCUA · 1 branch
Q1 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.63% | 1.77% | 1.96% | 2.21% | 1.90% | 1.70% | 1.20% | -54.54% | -5,675 bps | |
| Return on Equity | 7.54% | 8.11% | 8.48% | 9.54% | 8.32% | 7.49% | 5.35% | -616% | -62,551 bps | |
| Net Interest Margin | 3.74% | 3.75% | 3.98% | 4.11% | 3.80% | 3.90% | 3.62% | -51.10% | -5,521 bps | |
| Efficiency Ratio | 57.41% | 53.57% | 52.08% | 47.47% | 51.58% | 51.55% | 64.22% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.91% | 5.65% | 2.23% | 3.33% | 3.75% | 4.78% | 8.66% | 6.25% | +292 bps | |
| Loan Growth (YoY) | -1.10% | 2.41% | 1.88% | 5.65% | 9.26% | 17.86% | 7.49% | -0.56% | -622 bps | |
| Share Growth (YoY) | 4.18% | 4.95% | 0.29% | 1.45% | 2.04% | 3.39% | 8.42% | 26.51% | +2,506 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 2.46% | 2.25% | 2.05% | 2.44% | 1.61% | 0.91% | 1.23% | -81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 30.49% | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.18% | 1.17% | 1.10% | 1.06% | 0.77% | 0.60% | 0.61% | -49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.59% | 21.87% | 23.08% | 23.17% | 22.88% | 22.74% | 22.50% | 8.85% | -1,432 bps | |
| Net Worth / Assets | 21.59% | 21.87% | 23.08% | 23.17% | 22.88% | 22.74% | 22.50% | 8.85% | -1,432 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.15% | 71.31% | 74.94% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |