Los Angeles, CA · Charter 6135
NCUA · 1 branch
Q2 2017
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.63% | 1.45% | 0.07% | 0.05% | 0.19% | -145 bps | |
| Return on Equity | 10.89% | 9.49% | 0.44% | 0.31% | 1.04% | -986 bps | |
| Net Interest Margin | 1.60% | 1.51% | 0.61% | 1.20% | 1.09% | -52 bps | |
| Efficiency Ratio | 135.96% | 145.25% | 382% | 235% | 254% | +11,780 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.03% | -4.44% | -14.40% | -19.40% | -20.33% | -1,530 bps | |
| Loan Growth (YoY) | -34.28% | -35.59% | -41.83% | -43.03% | -47.00% | -1,272 bps | |
| Share Growth (YoY) | -6.66% | -6.29% | -16.77% | -22.19% | -23.12% | -1,646 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.29% | 4.96% | 3.52% | 4.05% | 4.46% | +217 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 14.07% | 13.82% | 10.59% | 10.97% | 9.90% | -418 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.00% | 15.22% | 16.15% | 17.54% | 17.97% | +297 bps | |
| Net Worth / Assets | 15.00% | 15.22% | 16.15% | 17.54% | 17.97% | +297 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.03% | 26.56% | 24.22% | 23.23% | 20.70% | -933 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |