Pleasanton, CA · Charter 97093
NCUA · 5 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
41
Profitability
10
Liquidity
58
Efficiency
24
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pleasanton, CA · Charter 97093
NCUA · 5 branches
Q4 2024
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.39% | -1.03% | -0.33% | -0.34% | -0.31% | -70 bps | |
| Return on Equity | 3.91% | -10.37% | -3.40% | -3.40% | -3.11% | -702 bps | |
| Net Interest Margin | 2.76% | 2.63% | 2.62% | 2.68% | 2.69% | -7 bps | |
| Efficiency Ratio | 77.63% | 86.10% | 86.43% | 85.84% | 87.88% | +1,025 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.86% | -4.47% | 0.03% | -8.18% | -3.91% | -305 bps | |
| Loan Growth (YoY) | -4.81% | -6.43% | -6.09% | -9.51% | -10.92% | -611 bps | |
| Share Growth (YoY) | -7.08% | -7.23% | -2.77% | -0.71% | 2.35% | +943 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.99% | 0.83% | 0.68% | 0.75% | 0.88% | -11 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.98% | 9.93% | 9.80% | 9.90% | 9.91% | -7 bps | |
| Net Worth / Assets | 9.98% | 9.93% | 9.80% | 9.90% | 9.91% | -7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.92% | 89.57% | 89.02% | 84.77% | 81.74% | -1,217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Pleasanton, CA · Charter 97093 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 5 branches
Q4 2024
Return on Assets
-0.31%
Rank 1,582 of 1,724
Net Interest Margin
2.69%
Rank 1,484 of 1,723
Efficiency Ratio
87.88%
Rank 1,310 of 1,721
Equity / Assets
9.91%
Rank 1,342 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | 0.25% | 0.67% | 1.13% | Beats 8% | 1,582 / 1,724 | |
| Return on Equity | -3.11% | 1.95% | 5.34% | 8.54% | Beats 7% | 1,595 / 1,723 | |
| Net Interest Margin | 2.69% | 3.03% | 3.61% | 4.27% | Beats 14% | 1,484 / 1,723 | |
| Efficiency Ratio | 87.88% | 69.84% | 78.36% | 87.50% | Beats 24% | 1,310 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.88% | 0.28% | 0.70% | 1.38% | Beats 41% | 1,013 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.91% | 10.16% | 12.41% | 16.03% | Beats 22% | 1,343 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.91% | 10.15% | 12.41% | 16.03% | Beats 22% | 1,342 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.74% | 55.95% | 72.66% | 85.34% | 68th pctl | 554 / 1,722 | |
| Loans / Assets | 74.82% | 47.91% | 62.00% | 72.82% | 80th pctl | 340 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||