Los Angeles, CA · Charter 9382
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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 9382
Q1 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.74% | 0.12% | 0.53% | 1.79% | 1.79% | +252 bps | |
| Return on Equity | -3.17% | 0.52% | 2.25% | 7.71% | 7.67% | +1,084 bps | |
| Net Interest Margin | 0.86% | 1.56% | 2.05% | 1.92% | 3.28% | +242 bps | |
| Efficiency Ratio | 185.38% | 92.39% | 74.47% | 12.82% | 45.71% | -13,968 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.29% | 0.21% | 5.87% | 7.42% | 5.57% | +886 bps | |
| Loan Growth (YoY) | -9.99% | -29.69% | -38.87% | -39.41% | -31.09% | -2,110 bps | |
| Share Growth (YoY) | -6.12% | -0.48% | 6.77% | 7.78% | 5.38% | +1,151 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.63% | 8.37% | 12.66% | 1.44% | 0.00% | -863 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.72% | 0.76% | 0.99% | 1.06% | 1.05% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.19% | 23.01% | 23.34% | 23.16% | 23.30% | +11 bps | |
| Net Worth / Assets | 23.19% | 23.01% | 23.34% | 23.16% | 23.30% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.78% | 28.14% | 21.81% | 20.59% | 20.13% | -1,065 bps | |
| Liquid Assets / Assets | 73.11% | 75.54% | 80.59% | 81.36% | 0.00% | -7,311 bps | |