Los Angeles, CA · Charter 86059
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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 86059
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.10% | -1.64% | -6.07% | -4.15% | -7.04% | -594 bps | |
| Return on Equity | -6.19% | -9.27% | -38.14% | -26.29% | -53.21% | -4,702 bps | |
| Net Interest Margin | 3.11% | 3.30% | 3.24% | 3.33% | 0.37% | -273 bps | |
| Efficiency Ratio | 101.12% | 100.42% | 5339% | 178.21% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.35% | -2.75% | -4.55% | -6.31% | -8.02% | -767 bps | |
| Loan Growth (YoY) | 1.88% | 2.02% | -0.85% | -4.52% | -7.90% | -978 bps | |
| Share Growth (YoY) | 0.97% | -1.39% | -2.07% | -4.02% | -3.10% | -407 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.78% | 1.58% | 2.48% | 2.58% | 3.19% | +241 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 1.53% | 1.92% | 2.47% | 3.03% | +217 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.77% | 17.65% | 15.91% | 15.80% | 13.22% | -455 bps | |
| Net Worth / Assets | 17.77% | 17.65% | 15.91% | 15.80% | 13.22% | -455 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.36% | 90.41% | 85.06% | 84.16% | 82.08% | -428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |