PackageTrendsPeer
Letter portraitLegal landscape

Council 3052

Bellflower, CA · Charter 10268

Q3 2010

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Council 3052

Bellflower, CA · Charter 10268

Q3 2010

$288KAssets
$64KLoans
$252KShares
$35KNet 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 -1.04%, up 77 bps year over year; NIM at 1.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.15%, up 48 bps from a year ago.
  • Funding: loans stand at 25.21% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-1.04%+77 bps YoY

Net Interest Margin (YTD, annualized)

1.77%-13 bps YoY

Efficiency Ratio (YTD, annualized)

149.79%+1,553 bps YoY

Net Worth / Assets

12.15%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-1.81%-1.30%-0.31%-0.75%-1.04%+77 bps
Return on Equity-15.50%-10.25%-2.34%-5.86%-8.54%+696 bps
Net Interest Margin1.90%2.19%2.24%2.23%1.77%-13 bps
Efficiency Ratio134.26%121.08%113.62%133.44%149.79%+1,553 bps
Growth
Asset Growth (YoY)-2.87%-8.98%-3.27%-3.60%-4.96%-210 bps
Loan Growth (YoY)-21.20%-18.55%-29.37%-39.17%-56.70%-3,550 bps
Share Growth (YoY)-2.19%-9.12%-2.83%-3.96%-4.59%-240 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.72%2.88%3.55%4.11%6.28%+356 bps
Capital
Risk-Based Capital11.67%12.63%13.06%12.73%12.15%+48 bps
Net Worth / Assets11.67%12.63%13.06%12.73%12.15%+48 bps
Liquidity & Funding
Loans / Shares55.55%57.11%45.80%38.81%25.21%-3,034 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps