Los Angeles, CA · Charter 65672
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, 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 65672
Q2 1996
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.36% | 4.35% | 3.01% | 2.98% | -1.57% | -494 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -25.15% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -5.61% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -26.31% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.06% | 4.63% | 4.54% | 3.14% | 2.95% | -111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.33% | 4.21% | 3.61% | 1.66% | 1.97% | -236 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 | 58.73% | 70.47% | 78.94% | 82.34% | 75.23% | +1,650 bps | |
| Liquid Assets / Assets | 9.41% | 21.99% | 9.56% | 8.00% | 31.65% | +2,224 bps | |