Los Angeles, CA · Charter 19445
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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 19445
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.55% | 2.85% | 2.42% | 0.08% | -1.95% | -350 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.82% | 9.08% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 98.77% | 120.74% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 1.33% | 3.17% | -9.23% | -13.72% | -3.89% | -522 bps | |
| Loan Growth (YoY) | 29.85% | 24.17% | 19.21% | 9.78% | 0.95% | -2,891 bps | |
| Share Growth (YoY) | 2.06% | 3.48% | -11.66% | -15.72% | -2.78% | -484 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.28% | 2.48% | 2.36% | 0.83% | 0.81% | -247 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.66% | 95.54% | 108.28% | 97.12% | 101.41% | +374 bps | |
| Liquid Assets / Assets | 10.40% | 10.01% | 5.30% | 6.19% | 3.79% | -660 bps | |