Los Angeles, CA · Charter 68515
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 68515
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.40% | 1.08% | 0.91% | 0.52% | 0.41% | -99 bps | |
| Return on Equity | 18.82% | 14.21% | 11.69% | 6.71% | 5.22% | -1,359 bps | |
| Net Interest Margin | 3.73% | 3.83% | 3.96% | 3.91% | 3.72% | -2 bps | |
| Efficiency Ratio | 51.37% | 62.10% | 63.85% | 76.64% | 84.51% | +3,314 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.28% | 4.54% | 4.45% | 4.67% | 1.75% | -653 bps | |
| Loan Growth (YoY) | -13.41% | -13.03% | -13.19% | -12.16% | -14.00% | -59 bps | |
| Share Growth (YoY) | 8.89% | 5.10% | 5.31% | 4.44% | 1.13% | -775 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.33% | 1.21% | 0.74% | 1.35% | 1.26% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.94% | 3.08% | 3.44% | 3.50% | 3.66% | +72 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.46% | 7.57% | 7.78% | 7.73% | 7.82% | +37 bps | |
| Net Worth / Assets | 7.46% | 7.57% | 7.78% | 7.73% | 7.82% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.91% | 50.98% | 50.56% | 47.57% | 43.29% | -762 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |