Los Angeles, CA · Charter 10837
NCUA · 1 branch
Q3 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.20% | 0.23% | 0.34% | -2.02% | -208 bps | |
| Return on Equity | 0.48% | 1.59% | 1.84% | 2.85% | -17.68% | -1,816 bps | |
| Net Interest Margin | 2.61% | 2.77% | 2.92% | 2.89% | 2.03% | -58 bps | |
| Efficiency Ratio | 95.93% | 93.06% | 91.47% | 90.68% | 178.47% | +8,254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.74% | 2.67% | 0.16% | -1.06% | -8.18% | -1,292 bps | |
| Loan Growth (YoY) | 19.54% | 19.20% | 17.39% | 2.72% | 1.90% | -1,763 bps | |
| Share Growth (YoY) | 4.30% | 2.56% | -0.85% | -1.91% | -7.54% | -1,184 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.08% | 0.07% | 0.23% | 0.36% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.49% | 0.48% | 0.39% | 0.92% | +36 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.70% | 12.31% | 12.26% | 12.09% | 11.42% | -28 bps | |
| Net Worth / Assets | 11.70% | 12.31% | 12.26% | 12.09% | 11.42% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.28% | 49.34% | 48.80% | 47.73% | 52.11% | +483 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |