Los Angeles, CA · Charter 21389
Q3 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2000, the quarter ended September 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 21389
Q3 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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.32% | 1.14% | 1.32% | 1.85% | 1.76% | +44 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 3.91% | 3.20% | 4.37% | 4.72% | 4.14% | +23 bps | |
| Efficiency Ratio | 71.99% | 70.99% | 72.83% | 68.38% | 67.59% | -440 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.24% | 40.29% | 8.51% | 8.16% | 22.12% | +488 bps | |
| Loan Growth (YoY) | 17.86% | 24.70% | 58.60% | 55.60% | 32.02% | +1,416 bps | |
| Share Growth (YoY) | 16.34% | 7.06% | 7.48% | 6.41% | 17.52% | +118 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.46% | 0.51% | 0.39% | 0.38% | 0.32% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.91% | 0.82% | 0.85% | 0.88% | 0.72% | -19 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 | 95.23% | 106.78% | 100.67% | 97.81% | 106.98% | +1,175 bps | |
| Liquid Assets / Assets | 9.93% | 20.54% | 0.51% | 8.62% | 0.49% | -944 bps | |