Los Angeles, CA · Charter 68507
NCUA · 2 branches
Q3 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2022, the quarter ended September 30, 2022, 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 68507
NCUA · 2 branches
Q3 2022
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.49% | -0.13% | -0.10% | 0.14% | 0.09% | -0.27% | -0.22% | -0.67% | -81 bps | |
| Return on Equity | -27.16% | -2.39% | -1.97% | 2.73% | 1.78% | -5.37% | -4.25% | -14.30% | -1,703 bps | |
| Net Interest Margin | 3.25% | 2.67% | 2.63% | 2.53% | 2.47% | 2.42% | 2.54% | 2.52% | -1 bps | |
| Efficiency Ratio | 141.09% | 102.68% | 102.08% | 95.27% | 96.76% | 109.18% | 105.47% | 118.92% | +2,365 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.01% | 10.61% | 6.88% | 6.78% | 7.87% | 6.49% | 2.69% | 1.14% | -564 bps | |
| Loan Growth (YoY) | -6.19% | -5.35% | -5.69% | -5.51% | -4.36% | -1.63% | -1.51% | 0.10% | +561 bps | |
| Share Growth (YoY) | 10.52% | 12.17% | 7.90% | 7.19% | 8.41% | 7.29% | 3.27% | 3.47% | -372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.79% | 0.26% | 0.22% | 0.82% | 0.22% | 0.25% | 0.09% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.46% | 0.37% | 0.32% | 0.32% | 0.30% | 0.25% | 0.26% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.49% | 5.28% | 5.18% | 5.25% | 5.18% | 5.01% | 5.07% | 4.68% | -58 bps | |
| Net Worth / Assets | 5.49% | 5.28% | 5.18% | 5.25% | 5.18% | 5.01% | 5.07% | 4.68% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.41% | 71.48% | 72.52% | 68.88% | 67.41% | 65.53% | 69.17% | 66.64% | -224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |