Los Alamitos, CA · Charter 11060
Q4 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.34% | -1.34% | -0.59% | -0.67% | -0.61% | +74 bps | |
| Return on Equity | -6.74% | -6.90% | -2.96% | -3.40% | -2.71% | +403 bps | |
| Net Interest Margin | 5.25% | 4.45% | 4.76% | 4.69% | 5.17% | -8 bps | |
| Efficiency Ratio | 107.07% | 88.32% | 92.60% | 100.37% | 100.97% | -610 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -25.68% | -20.24% | -19.55% | -17.46% | -12.60% | +1,307 bps | |
| Loan Growth (YoY) | -35.64% | -24.36% | -31.57% | -28.73% | -26.07% | +957 bps | |
| Share Growth (YoY) | -29.48% | -22.39% | -21.27% | -20.14% | -21.19% | +829 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.52% | 2.65% | 3.02% | 2.09% | 0.00% | -352 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.64% | 1.65% | 1.96% | 2.10% | 2.22% | +58 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.96% | 19.50% | 19.99% | 19.81% | 22.45% | +249 bps | |
| Net Worth / Assets | 19.96% | 19.50% | 19.99% | 19.81% | 22.45% | +249 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.22% | 76.72% | 66.11% | 61.96% | 73.38% | -484 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |