Los Angeles, CA · Charter 425
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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 425
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 | -2.77% | -2.42% | -2.79% | -4.45% | -2.41% | +36 bps | |
| Return on Equity | -25.63% | -22.97% | -28.86% | -58.14% | -33.81% | -818 bps | |
| Net Interest Margin | 3.13% | 3.11% | 3.10% | 2.72% | 2.71% | -42 bps | |
| Efficiency Ratio | 130.09% | 124.62% | 128.19% | 129.62% | 102.88% | -2,721 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.48% | -4.54% | -0.09% | -3.67% | -3.67% | +181 bps | |
| Loan Growth (YoY) | -12.32% | -11.28% | -11.54% | -15.37% | -15.08% | -276 bps | |
| Share Growth (YoY) | -3.98% | -2.21% | 2.40% | -0.64% | 0.17% | +415 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.82% | 0.30% | 0.51% | 0.50% | +5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.93% | 1.00% | 2.00% | 2.50% | +172 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.82% | 10.55% | 9.66% | 7.65% | 7.13% | -369 bps | |
| Net Worth / Assets | 10.82% | 10.55% | 9.66% | 7.65% | 7.13% | -369 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.36% | 76.59% | 75.91% | 68.42% | 66.43% | -1,193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |