Los Angeles, CA · Charter 7812
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 7812
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 | -5.73% | -6.03% | -5.55% | -4.55% | -4.04% | +168 bps | |
| Return on Equity | -74.29% | -98.94% | -97.85% | -95.84% | -121.71% | -4,741 bps | |
| Net Interest Margin | 5.05% | 4.93% | 5.24% | 5.41% | 5.25% | +20 bps | |
| Efficiency Ratio | 78.15% | 78.85% | 78.68% | 78.23% | 82.93% | +477 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.95% | -9.46% | -14.26% | -10.04% | -16.20% | -325 bps | |
| Loan Growth (YoY) | 6.21% | -4.49% | -10.81% | -15.31% | -20.63% | -2,684 bps | |
| Share Growth (YoY) | 2.20% | 9.50% | 7.54% | -5.33% | -11.91% | -1,411 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.64% | 4.36% | 3.20% | 4.11% | 3.50% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.10% | 6.89% | 6.85% | 6.93% | 6.80% | +71 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.71% | 6.10% | 5.67% | 4.75% | 3.32% | -439 bps | |
| Net Worth / Assets | 7.71% | 6.10% | 5.67% | 4.75% | 3.32% | -439 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.89% | 82.08% | 82.42% | 81.29% | 78.29% | -860 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |