Los Angeles, CA · Charter 68414
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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 68414
Q2 2013
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | -0.05% | 0.00% | 0.35% | 0.03% | -18 bps | |
| Return on Equity | 2.64% | -0.62% | 0.05% | 4.43% | 0.38% | -226 bps | |
| Net Interest Margin | 3.22% | 3.24% | 3.19% | 2.84% | 2.79% | -43 bps | |
| Efficiency Ratio | 97.36% | 102.89% | 103.90% | 101.51% | 106.63% | +926 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.60% | -0.37% | 1.27% | -3.79% | -3.58% | -198 bps | |
| Loan Growth (YoY) | -14.86% | -8.70% | -10.06% | -8.26% | -6.75% | +811 bps | |
| Share Growth (YoY) | -1.70% | -0.79% | 1.27% | -4.32% | -2.24% | -53 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.94% | 0.93% | 1.67% | 0.99% | 1.27% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.81% | 1.54% | 1.34% | 1.11% | 1.04% | -77 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.90% | 7.88% | 7.94% | 7.97% | 8.10% | +20 bps | |
| Net Worth / Assets | 7.90% | 7.88% | 7.94% | 7.97% | 8.10% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.92% | 55.16% | 53.53% | 51.35% | 50.48% | -244 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |