Los Angeles, CA · Charter 24548
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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 24548
Q3 2002
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.70% | 0.33% | 0.35% | 0.32% | -55 bps | |
| Return on Equity | 9.10% | 7.46% | 3.72% | 3.90% | 3.60% | -550 bps | |
| Net Interest Margin | 4.31% | 4.21% | 4.10% | 3.94% | 4.07% | -24 bps | |
| Efficiency Ratio | 80.29% | 83.38% | 87.00% | 89.29% | 91.02% | +1,073 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.24% | 15.51% | 14.99% | 14.55% | 10.68% | -256 bps | |
| Loan Growth (YoY) | 16.49% | 0.14% | -10.37% | -15.12% | -15.79% | -3,228 bps | |
| Share Growth (YoY) | 14.97% | 15.97% | 12.58% | 13.17% | 10.97% | -400 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.42% | 0.27% | 0.27% | 0.37% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.03% | 1.02% | 0.95% | 0.88% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.58% | 9.45% | 8.97% | 8.85% | 8.96% | -62 bps | |
| Net Worth / Assets | 9.58% | 9.45% | 8.97% | 8.85% | 8.96% | -62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.01% | 73.62% | 66.90% | 62.21% | 61.47% | -1,954 bps | |
| Liquid Assets / Assets | 9.83% | 10.35% | 15.92% | 20.31% | 25.19% | +1,536 bps | |