Torrance, CA · Charter 6483
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 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.
Torrance, CA · Charter 6483
Q1 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.37% | 0.37% | -0.01% | -10.18% | -1,048 bps | |
| Return on Equity | 3.61% | 4.47% | 4.09% | -0.16% | -166.58% | -17,019 bps | |
| Net Interest Margin | 3.35% | 3.32% | 3.59% | 3.58% | 3.05% | -29 bps | |
| Efficiency Ratio | 91.90% | 90.48% | 90.93% | 93.00% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.83% | 8.74% | 0.45% | 1.53% | -3.92% | -675 bps | |
| Loan Growth (YoY) | -0.53% | 1.86% | -7.09% | -5.65% | -12.46% | -1,193 bps | |
| Share Growth (YoY) | 2.96% | 9.52% | 2.28% | 2.31% | -1.35% | -431 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.50% | 2.40% | 2.25% | 0.76% | 1.50% | -100 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 1.31% | 1.29% | 0.94% | 0.69% | -58 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.41% | 8.30% | 9.04% | 8.79% | 6.11% | -230 bps | |
| Net Worth / Assets | 8.41% | 8.30% | 9.04% | 8.79% | 6.11% | -230 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.15% | 58.26% | 60.98% | 60.78% | 53.38% | -678 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |