Los Angeles, CA · Charter 64715
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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 64715
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 1.10% | 0.69% | 0.28% | -0.16% | -60 bps | |
| Return on Equity | 6.76% | 15.30% | 9.37% | 3.51% | -2.03% | -879 bps | |
| Net Interest Margin | 4.08% | 4.12% | 4.32% | 4.27% | 4.36% | +29 bps | |
| Efficiency Ratio | 88.31% | 76.65% | 84.41% | 92.34% | 87.73% | -58 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.29% | -13.22% | -15.11% | -19.97% | -14.94% | -164 bps | |
| Loan Growth (YoY) | -26.30% | -19.22% | -10.39% | -10.25% | -9.65% | +1,664 bps | |
| Share Growth (YoY) | -12.81% | -15.11% | -16.79% | -21.90% | -16.50% | -369 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 0.61% | 0.78% | 0.19% | 0.18% | -82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.84% | 1.93% | 2.02% | 1.78% | 1.41% | -43 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.51% | 7.18% | 7.41% | 7.97% | 8.07% | +157 bps | |
| Net Worth / Assets | 6.51% | 7.18% | 7.41% | 7.97% | 8.07% | +157 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.24% | 85.03% | 88.33% | 91.51% | 93.31% | +708 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |