PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Los Angeles Firemen's

Los Angeles, CA · Charter 95053

NCUA · 5 branches

Q1 2017

$1.2BAssets
$950.9MLoans
$1.1BShares
$113.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.33%, down 29 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.24% of loans (-3 bps YoY).
  • Capital: net worth / assets of 9.38%, down 42 bps from a year ago.
  • Funding: loans stand at 87.82% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

0.33%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.51%-18 bps YoY

Efficiency Ratio (YTD, annualized)

90.36%+867 bps YoY

Net Worth / Assets

9.38%-42 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.62%0.64%0.72%0.59%0.33%-29 bps
Return on Equity6.31%6.40%7.37%6.08%3.51%-280 bps
Net Interest Margin2.69%2.69%2.56%2.42%2.51%-18 bps
Efficiency Ratio81.70%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 / Loans0.28%0.29%0.33%0.40%0.24%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.54%0.51%0.51%0.49%0.47%-7 bps
Capital
Risk-Based Capital9.80%9.99%9.80%9.78%9.38%-42 bps
Net Worth / Assets9.80%9.99%9.80%9.78%9.38%-42 bps
Liquidity & Funding
Loans / Shares93.43%92.03%87.31%87.92%87.82%-561 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps