PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

South Central People's

Los Angeles, CA · Charter 24452

Q4 1996

$1.6MAssets
$766KLoans
$1.7MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -6.03%, down 305 bps year over year.
  • Asset quality: problem loans at 29.32% of loans (+1,934 bps YoY).
  • Funding: loans stand at 45.65% of shares as of Q4 1996.

Financial Results

Return on Assets (quarter, annualized)

-6.03%-305 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets-2.99%-14.51%-13.82%-10.64%-6.03%-305 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a140.35%33.47%n/a
Loan Growth (YoY)n/an/an/a119.37%-21.44%n/a
Share Growth (YoY)n/an/an/a186.38%106.34%n/a
Asset Quality
Delinquent Loans / Loans9.97%14.91%19.83%24.96%29.32%+1,934 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.94%5.95%10.23%14.92%21.27%+1,932 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares119.89%91.81%82.03%47.78%45.65%-7,425 bps
Liquid Assets / Assets0.00%1.04%0.40%54.89%59.72%+5,972 bps