Norwalk, CA · Charter 7079
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Norwalk, CA · Charter 7079
Q4 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.97% | -0.38% | -0.93% | -0.49% | -1.37% | +60 bps | |
| Return on Equity | -15.50% | -3.09% | -7.79% | -4.06% | -11.85% | +365 bps | |
| Net Interest Margin | 3.26% | 2.78% | 2.79% | 2.78% | 2.82% | -44 bps | |
| Efficiency Ratio | 128.38% | 140.63% | 140.47% | 139.95% | 158.66% | +3,028 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.01% | -5.40% | -4.78% | -2.71% | -1.75% | +826 bps | |
| Loan Growth (YoY) | -26.43% | -15.15% | -11.68% | -8.61% | -6.41% | +2,002 bps | |
| Share Growth (YoY) | -8.52% | -4.25% | -3.19% | -2.00% | -0.98% | +755 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 0.39% | 0.40% | 0.67% | 0.51% | -80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.62% | 3.70% | 3.60% | 2.25% | 1.96% | -266 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.71% | 12.34% | 11.96% | 12.15% | 11.57% | -115 bps | |
| Net Worth / Assets | 12.71% | 12.34% | 11.96% | 12.15% | 11.57% | -115 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.95% | 38.21% | 38.28% | 37.44% | 37.76% | -219 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |