Los Angeles, CA · Charter 65785
Q3 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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.60% | -1.28% | -20.54% | -10.61% | -129.31% | -13,191 bps | |
| Return on Equity | 7.82% | -8.63% | -178.24% | -114.56% | n/a | n/a | |
| Net Interest Margin | 3.13% | -0.77% | 5.77% | 4.20% | 7.33% | +420 bps | |
| Efficiency Ratio | 28.53% | n/a | 437% | 264% | 1399% | +137,030 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.45% | 43.79% | 23.70% | 29.65% | -43.78% | -5,223 bps | |
| Loan Growth (YoY) | 19.62% | -18.23% | -43.65% | -17.03% | -37.19% | -5,681 bps | |
| Share Growth (YoY) | 11.25% | 97.47% | 83.24% | 63.79% | 22.25% | +1,100 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.65% | 80.88% | 21.32% | 5.13% | 3.40% | +75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.21% | 1.38% | 1.92% | 1.65% | 7.13% | +591 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.23% | 14.82% | 11.53% | 9.26% | -73.20% | -10,643 bps | |
| Net Worth / Assets | 33.23% | 14.82% | 11.53% | 9.26% | -73.20% | -10,643 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 110.62% | 45.91% | 36.54% | 45.33% | 56.84% | -5,378 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |