PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Los Angeles C. S. O.

Lomita, CA · Charter 65844

Q4 1997

$327KAssets
$92KLoans
$295KShares
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 -54.06%, down 5,654 bps year over year.
  • Asset quality: problem loans at 49.53% of loans (+4,008 bps YoY).
  • Funding: loans stand at 31.13% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

-54.06%-5,654 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets2.48%-2.82%-2.68%-24.74%-54.06%-5,654 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-12.36%-14.91%-28.21%-66.89%n/a
Loan Growth (YoY)n/a-23.78%-5.61%-49.73%-56.70%n/a
Share Growth (YoY)n/a-9.58%-9.46%-16.04%-56.73%n/a
Asset Quality
Delinquent Loans / Loans9.44%19.58%10.93%35.25%49.53%+4,008 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.07%5.44%4.90%28.11%33.27%+3,019 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 / Shares31.11%21.25%27.10%17.22%31.13%+2 bps
Liquid Assets / Assets6.44%1.12%6.17%5.20%13.40%+696 bps