Long Beach, CA · Charter 4220
Q4 2011
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.55% | -7.17% | -7.69% | -5.11% | -4.70% | -15 bps | |
| Return on Equity | -45.65% | -90.77% | -116.66% | -75.38% | -68.33% | -2,268 bps | |
| Net Interest Margin | 4.46% | 4.52% | 4.38% | 4.39% | 4.73% | +27 bps | |
| Efficiency Ratio | 120.50% | 102.27% | 107.36% | 110.74% | 127.51% | +701 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.44% | -8.64% | -18.43% | -18.49% | -18.17% | -1,073 bps | |
| Loan Growth (YoY) | -15.55% | -17.93% | -25.00% | -25.07% | -24.30% | -875 bps | |
| Share Growth (YoY) | -2.83% | -1.51% | -10.27% | -12.76% | -15.73% | -1,290 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 7.58% | 1.93% | 1.99% | 1.85% | +124 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.80% | 7.35% | 8.47% | 7.11% | 6.81% | +201 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.96% | 7.90% | 6.59% | 6.77% | 6.88% | -308 bps | |
| Net Worth / Assets | 9.96% | 7.90% | 6.59% | 6.77% | 6.88% | -308 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.91% | 57.51% | 56.97% | 54.62% | 56.51% | -640 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |