Pleasanton, CA · Charter 97093
NCUA · 5 branches
Q4 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.49% | 0.50% | 0.39% | -1.03% | -0.33% | -0.34% | -0.31% | -70 bps | |
| Return on Equity | 6.40% | 4.89% | 5.24% | 3.91% | -10.37% | -3.40% | -3.40% | -3.11% | -702 bps | |
| Net Interest Margin | 2.75% | 2.86% | 2.64% | 2.76% | 2.63% | 2.62% | 2.68% | 2.69% | -7 bps | |
| Efficiency Ratio | 75.32% | 75.64% | 75.14% | 77.63% | 86.10% | 86.43% | 85.84% | 87.88% | +1,025 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.35% | -1.75% | 5.58% | -0.86% | -4.47% | 0.03% | -8.18% | -3.91% | -305 bps | |
| Loan Growth (YoY) | 4.41% | 2.35% | -0.55% | -4.81% | -6.43% | -6.09% | -9.51% | -10.92% | -611 bps | |
| Share Growth (YoY) | -3.52% | -2.28% | -2.30% | -7.08% | -7.23% | -2.77% | -0.71% | 2.35% | +943 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.60% | 0.69% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.44% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.50% | 9.98% | 9.48% | 9.98% | 9.93% | 9.80% | 9.90% | 9.91% | -7 bps | |
| Net Worth / Assets | 9.50% | 9.98% | 9.48% | 9.98% | 9.93% | 9.80% | 9.90% | 9.91% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.80% | 92.16% | 93.01% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |