Los Angeles, CA · Charter 95053
NCUA · 5 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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 95053
NCUA · 5 branches
Q1 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.62% | 0.64% | 0.72% | 0.59% | 0.33% | -29 bps | |
| Return on Equity | 6.31% | 6.40% | 7.37% | 6.08% | 3.51% | -280 bps | |
| Net Interest Margin | 2.69% | 2.69% | 2.56% | 2.42% | 2.51% | -18 bps | |
| Efficiency Ratio | 81.70% | 82.01% | 79.18% | 82.67% | 90.36% | +867 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.69% | 8.11% | 8.62% | 8.92% | 10.75% | +6 bps | |
| Loan Growth (YoY) | 7.76% | 2.58% | 0.02% | 1.19% | 5.98% | -178 bps | |
| Share Growth (YoY) | 11.95% | 12.39% | 13.36% | 12.66% | 12.75% | +80 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.29% | 0.33% | 0.40% | 0.24% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.51% | 0.51% | 0.49% | 0.47% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.80% | 9.99% | 9.80% | 9.78% | 9.38% | -42 bps | |
| Net Worth / Assets | 9.80% | 9.99% | 9.80% | 9.78% | 9.38% | -42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.43% | 92.03% | 87.31% | 87.92% | 87.82% | -561 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |