Los Angeles, CA · Charter 14588
NCUA · 2 branches
Q4 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.08% | 0.15% | 0.22% | 0.18% | 0.31% | 0.56% | 0.57% | +36 bps | |
| Return on Equity | 0.55% | 0.65% | 1.22% | 1.65% | 1.46% | 2.58% | 4.57% | 4.56% | +291 bps | |
| Net Interest Margin | 1.68% | 1.63% | 1.64% | 1.80% | 1.84% | 1.91% | 1.99% | 2.08% | +28 bps | |
| Efficiency Ratio | 97.74% | 97.31% | 94.93% | 93.12% | 94.03% | 89.83% | 82.68% | 82.15% | -1,097 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.67% | 2.36% | 12.35% | 1.33% | 4.76% | 3.34% | 2.66% | 9.88% | +855 bps | |
| Loan Growth (YoY) | -6.55% | -1.33% | -5.96% | -1.54% | -3.39% | 1.05% | 9.49% | 11.63% | +1,318 bps | |
| Share Growth (YoY) | 2.97% | 2.58% | 14.17% | 1.24% | 5.16% | 3.38% | 2.39% | 10.58% | +934 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.01% | 0.14% | 0.33% | 0.42% | 0.30% | 0.40% | 0.33% | 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 | 0.49% | 0.49% | 0.48% | 0.48% | 0.49% | 0.48% | 0.46% | 0.38% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.68% | 12.24% | 12.15% | 13.19% | 12.35% | 12.17% | 12.36% | 12.57% | -61 bps | |
| Net Worth / Assets | 12.68% | 12.24% | 12.15% | 13.19% | 12.35% | 12.17% | 12.36% | 12.57% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.87% | 30.35% | 29.65% | 32.90% | 29.28% | 29.67% | 31.71% | 33.22% | +31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |