La Habra, CA · Charter 1955
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.50% | -0.48% | -0.28% | -0.24% | -3.47% | -297 bps | |
| Return on Equity | -5.61% | -5.29% | -3.02% | -2.59% | -45.22% | -3,961 bps | |
| Net Interest Margin | 2.29% | 2.39% | 2.60% | 2.56% | 2.73% | +44 bps | |
| Efficiency Ratio | 115.54% | 114.29% | 107.81% | 106.61% | 184.65% | +6,911 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.84% | -4.92% | -8.12% | -5.19% | -13.82% | -898 bps | |
| Loan Growth (YoY) | 2.59% | 6.34% | 1.62% | -6.11% | -8.44% | -1,103 bps | |
| Share Growth (YoY) | -2.12% | -3.03% | -5.23% | -2.94% | -3.68% | -156 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.33% | 1.00% | 0.75% | 1.40% | 2.43% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.60% | 0.54% | 0.45% | 0.87% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.94% | 9.11% | 9.22% | 9.08% | 7.67% | -127 bps | |
| Net Worth / Assets | 8.94% | 9.11% | 9.22% | 9.08% | 7.67% | -127 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.85% | 42.40% | 41.53% | 39.44% | 39.78% | -207 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |