Monrovia, CA · Charter 9900
NCUA · 3 branches
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.34% | -0.36% | -0.87% | -0.91% | -5.28% | -3.85% | -0.36% | 0.07% | +99 bps | |
| Return on Equity | -2.75% | -2.94% | -6.94% | -7.64% | -65.26% | -46.99% | -4.28% | 0.80% | +844 bps | |
| Net Interest Margin | 2.94% | 2.80% | 2.04% | 2.00% | 2.03% | 2.45% | 2.49% | 3.05% | +106 bps | |
| Efficiency Ratio | 107.50% | 109.47% | 141.00% | 124.95% | n/a | n/a | 113.79% | 97.70% | -2,725 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.47% | 3.84% | -4.94% | -2.46% | 1.38% | 1.25% | 2.26% | -7.68% | -523 bps | |
| Loan Growth (YoY) | -18.16% | -34.95% | -38.98% | -36.54% | -20.25% | -7.34% | -9.05% | -7.07% | +2,947 bps | |
| Share Growth (YoY) | 7.91% | 4.99% | -4.89% | -1.85% | 5.04% | 5.95% | 7.30% | -4.72% | -287 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.32% | 1.88% | 1.16% | 2.17% | 0.00% | 1.73% | 0.00% | 1.63% | -54 bps | |
| Net Charge-Offs / Loans | 42.31% | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.82% | -0.03% | -0.58% | 0.00% | 0.18% | 0.20% | 0.20% | +77 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.42% | 12.29% | 12.55% | 11.97% | 8.09% | 8.20% | 8.34% | 9.13% | -285 bps | |
| Net Worth / Assets | 12.42% | 12.29% | 12.55% | 11.97% | 8.09% | 8.20% | 8.34% | 9.13% | -285 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.09% | 43.98% | 42.78% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |