Los Angeles, CA · Charter 65666
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | 0.95% | -3.37% | -61.28% | -174.29% | -17,419 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 9.45% | 8.46% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 363% | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 67.93% | 87.67% | 115.31% | 18.12% | -73.35% | -14,128 bps | |
| Loan Growth (YoY) | 27.71% | 24.85% | 56.69% | 33.06% | -3.86% | -3,158 bps | |
| Share Growth (YoY) | 89.28% | 105.02% | 141.15% | 71.79% | -16.81% | -10,609 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.46% | 13.69% | 44.34% | 75.11% | 71.54% | +6,007 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.40% | 8.35% | 4.36% | 46.41% | 80.71% | +7,231 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.50% | 39.55% | 44.86% | 60.62% | 46.81% | +630 bps | |
| Liquid Assets / Assets | 61.23% | 64.19% | 54.51% | 0.87% | 8.53% | -5,270 bps | |