Los Angeles, CA · Charter 1506
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Los Angeles, CA · Charter 1506
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.78% | 0.80% | 0.72% | 0.63% | 0.74% | -4 bps | |
| Return on Equity | 4.31% | 4.24% | 3.81% | 3.16% | 3.60% | -71 bps | |
| Net Interest Margin | 2.89% | 2.99% | 3.14% | 3.28% | 3.46% | +58 bps | |
| Efficiency Ratio | 81.64% | 81.17% | 81.64% | 82.77% | 79.93% | -171 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.76% | 0.96% | 0.53% | -4.53% | -8.58% | -1,133 bps | |
| Loan Growth (YoY) | 5.67% | -8.76% | -0.99% | -0.62% | 11.85% | +618 bps | |
| Share Growth (YoY) | 2.34% | -1.94% | -0.41% | -6.60% | -11.31% | -1,365 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.17% | 0.22% | 0.18% | 0.04% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.13% | 0.08% | 0.07% | 0.08% | 0.06% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.17% | 18.81% | 18.84% | 19.77% | 20.64% | +247 bps | |
| Net Worth / Assets | 18.17% | 18.81% | 18.84% | 19.77% | 20.64% | +247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.62% | 68.50% | 70.28% | 78.53% | 86.54% | +1,792 bps | |
| Liquid Assets / Assets | 42.53% | 44.09% | 41.42% | 0.00% | 0.00% | -4,253 bps | |