Los Angeles, CA · Charter 68507
NCUA · 2 branches
Q3 2022
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.09% | -0.27% | -0.22% | -0.67% | -81 bps | |
| Return on Equity | 2.73% | 1.78% | -5.37% | -4.25% | -14.30% | -1,703 bps | |
| Net Interest Margin | 2.53% | 2.47% | 2.42% | 2.54% | 2.52% | -1 bps | |
| Efficiency Ratio | 95.27% | 96.76% | 109.18% | 105.47% | 118.92% | +2,365 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.78% | 7.87% | 6.49% | 2.69% | 1.14% | -564 bps | |
| Loan Growth (YoY) | -5.51% | -4.36% | -1.63% | -1.51% | 0.10% | +561 bps | |
| Share Growth (YoY) | 7.19% | 8.41% | 7.29% | 3.27% | 3.47% | -372 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.32% | 0.32% | 0.30% | 0.25% | 0.26% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.25% | 5.18% | 5.01% | 5.07% | 4.68% | -58 bps | |
| Net Worth / Assets | 5.25% | 5.18% | 5.01% | 5.07% | 4.68% | -58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |