Los Angeles, CA · Charter 24604
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.80% | -3.01% | -4.16% | -18.97% | -10.37% | -756 bps | |
| Return on Equity | -50.17% | -61.61% | -106.61% | -14881% | -3393% | -334,267 bps | |
| Net Interest Margin | 4.73% | 4.63% | 4.86% | 4.74% | 5.53% | +80 bps | |
| Efficiency Ratio | 133.75% | 143.72% | 145.01% | n/a | 160.07% | +2,632 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.60% | -16.51% | -17.68% | -30.29% | -38.42% | -2,081 bps | |
| Loan Growth (YoY) | -26.26% | -30.93% | -26.65% | -32.42% | -37.35% | -1,109 bps | |
| Share Growth (YoY) | -14.19% | -15.55% | -15.40% | -26.33% | -35.78% | -2,158 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.18% | 10.08% | 10.01% | 7.19% | 14.00% | +382 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.92% | 5.93% | 7.34% | 9.70% | 9.66% | +374 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.58% | 4.88% | 3.90% | 0.13% | 0.31% | -528 bps | |
| Net Worth / Assets | 5.58% | 4.88% | 3.90% | 0.13% | 0.31% | -528 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.88% | 33.30% | 35.86% | 35.19% | 34.03% | -85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |