Los Angeles, CA · Charter 9255
NCUA · 1 branch
Q1 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.15% | -3.00% | -3.82% | -5.83% | -11.73% | -558 bps | |
| Return on Equity | -17.76% | -8.62% | -11.31% | -18.27% | -37.77% | -2,002 bps | |
| Net Interest Margin | 3.49% | 3.18% | 3.26% | 3.19% | 0.38% | -310 bps | |
| Efficiency Ratio | 256% | 175.35% | 185.61% | 226% | 2812% | +255,635 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.12% | -17.60% | -13.66% | -15.32% | -9.99% | +713 bps | |
| Loan Growth (YoY) | 40.77% | 26.60% | 1.32% | -43.13% | -49.17% | -8,994 bps | |
| Share Growth (YoY) | -23.56% | -24.05% | -16.57% | -15.08% | -5.04% | +1,852 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 2.62% | 3.92% | 0.00% | 0.00% | -66 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 1.32% | 0.57% | 0.50% | 2.17% | +141 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.64% | 34.88% | 33.79% | 31.92% | 31.05% | -359 bps | |
| Net Worth / Assets | 34.64% | 34.88% | 33.79% | 31.92% | 31.05% | -359 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.96% | 41.31% | 32.84% | 26.23% | 23.53% | -2,043 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |