Monrovia, CA · Charter 9900
NCUA · 3 branches
Q2 2023
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 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.91% | -5.28% | -3.85% | -0.36% | 0.07% | +99 bps | |
| Return on Equity | -7.64% | -65.26% | -46.99% | -4.28% | 0.80% | +844 bps | |
| Net Interest Margin | 2.00% | 2.03% | 2.45% | 2.49% | 3.05% | +106 bps | |
| Efficiency Ratio | 124.95% | n/a | n/a | 113.79% | 97.70% | -2,725 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.46% | 1.38% | 1.25% | 2.26% | -7.68% | -523 bps | |
| Loan Growth (YoY) | -36.54% | -20.25% | -7.34% | -9.05% | -7.07% | +2,947 bps | |
| Share Growth (YoY) | -1.85% | 5.04% | 5.95% | 7.30% | -4.72% | -287 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.17% | 0.00% | 1.73% | 0.00% | 1.63% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | -0.58% | 0.00% | 0.18% | 0.20% | 0.20% | +77 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.97% | 8.09% | 8.20% | 8.34% | 9.13% | -285 bps | |
| Net Worth / Assets | 11.97% | 8.09% | 8.20% | 8.34% | 9.13% | -285 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.34% | 37.27% | 38.47% | 36.26% | 39.34% | -100 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |