Los Angeles, CA · Charter 9255
NCUA · 1 branch
Q1 2021
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 1.13% | 1.04% | -6.15% | -3.00% | -3.82% | -5.83% | -11.73% | -558 bps | |
| Return on Equity | 2.34% | 3.59% | 3.27% | -17.76% | -8.62% | -11.31% | -18.27% | -37.77% | -2,002 bps | |
| Net Interest Margin | 2.52% | 2.63% | 2.46% | 3.49% | 3.18% | 3.26% | 3.19% | 0.38% | -310 bps | |
| Efficiency Ratio | 66.64% | 54.13% | 57.20% | 256% | 175.35% | 185.61% | 226% | 2812% | +255,635 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.11% | -2.89% | -2.35% | -17.12% | -17.60% | -13.66% | -15.32% | -9.99% | +713 bps | |
| Loan Growth (YoY) | -1.12% | 3.63% | 39.09% | 40.77% | 26.60% | 1.32% | -43.13% | -49.17% | -8,994 bps | |
| Share Growth (YoY) | 5.77% | -4.88% | -4.83% | -23.56% | -24.05% | -16.57% | -15.08% | -5.04% | +1,852 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.00% | 1.60% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 2.67% | 2.66% | 1.87% | 0.75% | 1.32% | 0.57% | 0.50% | 2.17% | +141 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.34% | 31.46% | 31.97% | 34.64% | 34.88% | 33.79% | 31.92% | 31.05% | -359 bps | |
| Net Worth / Assets | 29.34% | 31.46% | 31.97% | 34.64% | 34.88% | 33.79% | 31.92% | 31.05% | -359 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.79% | 27.04% | 39.16% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |