La Mesa, CA · Charter 11101
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
La Mesa, CA · Charter 11101
Q2 2015
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.96% | -0.84% | -0.82% | -0.19% | -0.54% | +43 bps | |
| Return on Equity | -7.64% | -6.56% | -6.36% | -1.54% | -4.08% | +356 bps | |
| Net Interest Margin | 2.00% | 2.08% | 2.14% | 2.29% | 2.41% | +41 bps | |
| Efficiency Ratio | 139.19% | 134.02% | 133.43% | 108.89% | 127.46% | -1,173 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.97% | 1.26% | -0.59% | -0.77% | -8.24% | -1,320 bps | |
| Loan Growth (YoY) | -19.39% | -11.51% | 1.02% | 8.90% | -3.28% | +1,611 bps | |
| Share Growth (YoY) | 5.62% | 2.49% | 0.14% | -1.06% | -9.39% | -1,502 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.00% | 0.00% | 0.00% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.48% | 1.61% | 1.66% | 1.69% | 1.80% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.61% | 12.83% | 12.89% | 12.59% | 13.15% | +54 bps | |
| Net Worth / Assets | 12.61% | 12.83% | 12.89% | 12.59% | 13.15% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.90% | 28.70% | 30.95% | 31.54% | 29.78% | +188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |