Los Angeles, CA · Charter 4962
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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 4962
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.72% | -0.71% | -0.85% | -4.27% | -5.06% | -435 bps | |
| Return on Equity | -9.64% | -9.49% | -10.64% | -60.28% | -87.65% | -7,801 bps | |
| Net Interest Margin | 2.83% | 2.93% | 3.20% | 3.15% | 3.17% | +34 bps | |
| Efficiency Ratio | 123.85% | 122.60% | 124.51% | 136.23% | 203% | +7,959 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.05% | -7.29% | -10.91% | -13.48% | -15.04% | -699 bps | |
| Loan Growth (YoY) | -0.13% | -5.03% | -3.76% | -5.97% | -3.39% | -326 bps | |
| Share Growth (YoY) | -6.89% | -5.34% | -9.58% | -12.03% | -13.42% | -653 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 2.33% | 3.75% | 2.36% | 1.43% | -72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.46% | 2.46% | 1.78% | 2.73% | 1.71% | -75 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.45% | 7.51% | 7.98% | 7.09% | 5.78% | -167 bps | |
| Net Worth / Assets | 7.45% | 7.51% | 7.98% | 7.09% | 5.78% | -167 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.21% | 29.19% | 32.44% | 31.38% | 31.48% | +327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |