Los Angeles, CA · Charter 22965
Q2 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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.37% | -3.53% | 0.38% | -3.30% | -4.08% | -172 bps | |
| Return on Equity | -9.61% | -13.06% | 1.29% | -10.07% | -11.02% | -142 bps | |
| Net Interest Margin | 3.39% | 3.62% | 3.32% | 3.58% | 3.40% | +2 bps | |
| Efficiency Ratio | 158.88% | 181.80% | 181.44% | 152.05% | 175.69% | +1,682 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.47% | -21.71% | -18.92% | -20.46% | -26.53% | -1,806 bps | |
| Loan Growth (YoY) | -28.21% | -40.14% | -33.99% | -32.34% | -28.37% | -16 bps | |
| Share Growth (YoY) | -6.72% | -24.12% | -25.35% | -30.24% | -38.62% | -3,190 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.30% | 3.12% | 12.27% | 0.00% | 5.96% | +365 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 24.42% | 28.51% | 12.42% | 1.25% | 1.41% | -2,300 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.64% | 27.02% | 29.73% | 32.77% | 37.05% | +1,240 bps | |
| Net Worth / Assets | 24.64% | 27.02% | 29.73% | 32.77% | 37.05% | +1,240 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.83% | 32.18% | 36.69% | 33.84% | 37.14% | +532 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |