PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

West Los Angeles Japanese

Los Angeles, CA · Charter 65160

Q2 2000

$1.6MAssets
$1.4MLoans
$1.2MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.34%, down 258 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.00% of loans (-13 bps YoY).
  • Funding: loans stand at 116.06% of shares as of Q2 2000.

Financial Results

Return on Assets (YTD, annualized)

-0.34%-258 bps YoY

Net Interest Margin (YTD, annualized)

3.70%

Efficiency Ratio (YTD, annualized)

109.08%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets2.24%2.07%2.36%-3.40%-0.34%-258 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.11%3.70%n/a
Efficiency Ration/an/an/a321%109.08%n/a
Growth
Asset Growth (YoY)-6.92%-9.51%-1.61%-5.61%-5.44%+149 bps
Loan Growth (YoY)21.64%-1.24%2.54%-1.00%12.60%-904 bps
Share Growth (YoY)-9.47%-9.26%0.24%-2.67%-1.98%+749 bps
Asset Quality
Delinquent Loans / Loans0.13%1.06%0.78%0.00%0.00%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.01%0.07%0.04%0.00%0.00%-1 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares101.03%96.07%103.96%103.96%116.06%+1,503 bps
Liquid Assets / Assets9.87%14.10%7.91%4.41%4.52%-534 bps