Kearny, AZ · Charter 9951
NCUA · 1 branch
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.11% | -0.47% | -0.31% | -0.32% | -0.22% | -1.40% | -2.84% | -252 bps | |
| Return on Equity | 10.77% | 2.02% | -8.82% | -6.13% | -6.18% | -4.39% | -30.49% | -73.14% | -6,701 bps | |
| Net Interest Margin | 5.24% | 5.37% | 5.79% | 5.59% | 5.73% | 5.81% | 5.67% | 5.88% | +29 bps | |
| Efficiency Ratio | 82.51% | 82.47% | 85.71% | 82.59% | 83.83% | 83.12% | 83.62% | 103.99% | +2,139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.18% | 6.55% | -0.95% | -0.40% | -3.15% | -3.68% | 0.91% | -7.88% | -748 bps | |
| Loan Growth (YoY) | 33.56% | 14.76% | 2.17% | -9.07% | -9.46% | -12.03% | -17.44% | -16.36% | -728 bps | |
| Share Growth (YoY) | 10.75% | 5.89% | 0.26% | 0.21% | -2.62% | -2.98% | -0.17% | -8.04% | -825 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.94% | 2.96% | 2.06% | 2.92% | 2.84% | 1.45% | 1.60% | 2.96% | +4 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 | 1.22% | 1.68% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.55% | 5.27% | 5.28% | 5.11% | 5.14% | 5.07% | 4.60% | 3.88% | -123 bps | |
| Net Worth / Assets | 5.55% | 5.27% | 5.28% | 5.11% | 5.14% | 5.07% | 4.60% | 3.88% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.65% | 81.13% | 81.28% | 75.66% | 76.84% | 73.56% | 67.22% | 68.81% | -684 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |