Los Angeles, CA · Charter 64826
NCUA · 3 branches
Q1 2023
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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.89% | 0.84% | 0.98% | 0.50% | -31 bps | |
| Return on Equity | 8.65% | 9.00% | 8.31% | 9.10% | 4.33% | -433 bps | |
| Net Interest Margin | 4.04% | 4.20% | 4.36% | 4.62% | 5.56% | +151 bps | |
| Efficiency Ratio | 84.21% | 82.39% | 81.57% | 78.61% | 81.12% | -309 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.94% | -3.25% | -3.71% | -8.35% | -11.54% | -1,448 bps | |
| Loan Growth (YoY) | 1.89% | -1.32% | -1.97% | 0.09% | 2.38% | +49 bps | |
| Share Growth (YoY) | 1.88% | -4.88% | -4.94% | -11.08% | -12.48% | -1,436 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.64% | 0.66% | 0.56% | 0.43% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.74% | 0.79% | 0.86% | 0.00% | -92 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.30% | 9.88% | 10.16% | 10.76% | 11.48% | +218 bps | |
| Net Worth / Assets | 9.30% | 9.88% | 10.16% | 10.76% | 11.48% | +218 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.71% | 78.02% | 79.36% | 84.21% | 88.57% | +1,286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |