Los Angeles, CA · Charter 10767
NCUA · 2 branches
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.29% | -4.42% | -4.04% | -3.63% | -5.05% | -2.57% | -6.28% | -5.79% | -216 bps | |
| Return on Equity | -27.77% | -53.07% | -54.71% | -64.05% | -75.32% | -47.78% | -216% | -198.41% | -13,436 bps | |
| Net Interest Margin | 3.41% | 2.06% | 2.06% | 1.57% | 1.74% | 0.47% | 1.07% | 1.34% | -23 bps | |
| Efficiency Ratio | 156.50% | 314% | 296% | 331% | 391% | 651% | 948% | 664% | +33,240 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -36.65% | -47.95% | -46.07% | -37.86% | -29.92% | -16.21% | -21.97% | -42.02% | -416 bps | |
| Loan Growth (YoY) | -20.07% | -37.72% | -80.38% | -79.01% | -89.35% | -50.88% | -29.90% | 25.33% | +10,434 bps | |
| Share Growth (YoY) | -37.66% | -48.98% | -46.58% | -37.98% | -28.75% | -13.52% | -18.20% | -40.33% | -236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 8.01% | 11.88% | 27.54% | 35.27% | 75.20% | 24.19% | 0.00% | 0.00% | -3,527 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.24% | 8.32% | 7.39% | 5.67% | 6.71% | 5.38% | 2.91% | 2.92% | -275 bps | |
| Net Worth / Assets | 8.24% | 8.32% | 7.39% | 5.67% | 6.71% | 5.38% | 2.91% | 2.92% | -275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.96% | 9.99% | 4.26% | 2.91% | 1.94% | 5.67% | 3.65% | 6.12% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |