Los Alamitos, CA · Charter 17747
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 1.46% | 2.54% | 0.91% | 1.02% | -19 bps | |
| Return on Equity | 12.25% | 13.58% | 22.92% | 8.18% | 8.72% | -353 bps | |
| Net Interest Margin | 5.17% | 5.37% | 5.07% | 5.18% | 5.31% | +14 bps | |
| Efficiency Ratio | 71.47% | 72.60% | 77.65% | 84.07% | 84.29% | +1,282 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.06% | -1.09% | -2.22% | -2.73% | -5.28% | -534 bps | |
| Loan Growth (YoY) | -6.21% | -6.51% | -4.45% | -7.58% | -13.02% | -681 bps | |
| Share Growth (YoY) | -0.97% | -2.16% | -3.54% | -4.16% | -6.97% | -601 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.53% | 0.85% | 0.88% | 0.37% | 0.53% | -100 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.51% | 3.86% | 3.29% | 3.38% | 3.37% | -114 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.86% | 10.73% | 11.06% | 11.12% | 11.70% | +184 bps | |
| Net Worth / Assets | 9.86% | 10.73% | 11.06% | 11.12% | 11.70% | +184 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.08% | 70.30% | 66.63% | 66.28% | 65.52% | -455 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |