Torrance, CA · Charter 21527
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 1.39% | 1.55% | 1.40% | 1.13% | -16 bps | |
| Return on Equity | 12.96% | 13.48% | 14.93% | 13.60% | 10.77% | -219 bps | |
| Net Interest Margin | 3.34% | 3.38% | 3.36% | 3.29% | 3.39% | +5 bps | |
| Efficiency Ratio | 73.08% | 71.57% | 67.39% | 67.83% | 72.77% | -31 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.18% | 3.38% | 6.99% | 6.15% | 7.56% | +338 bps | |
| Loan Growth (YoY) | 17.22% | 13.61% | 8.41% | 3.35% | 1.92% | -1,530 bps | |
| Share Growth (YoY) | 2.23% | 2.33% | 6.09% | 5.17% | 7.75% | +553 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.11% | 0.14% | 0.62% | 0.56% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.13% | 0.11% | 0.12% | 0.16% | 0.23% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.92% | 10.34% | 10.37% | 10.26% | 10.47% | +55 bps | |
| Net Worth / Assets | 9.92% | 10.34% | 10.37% | 10.26% | 10.47% | +55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.29% | 95.21% | 90.84% | 88.48% | 92.02% | -527 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |