PackageTrendsPeer
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American

Mission Hills, CA · Charter 10398

NCUA · 1 branch

Q1 2017

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: 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.

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

American

Mission Hills, CA · Charter 10398

NCUA · 1 branch

Q1 2017

$18.1MAssets
$10.5MLoans
$15.0MShares
$2.2MNet 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 -16.22%, down 1,597 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.68% of loans (+62 bps YoY).
  • Capital: net worth / assets of 12.38%, down 541 bps from a year ago.
  • Funding: loans stand at 70.15% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-16.22%-1,597 bps YoY

Net Interest Margin (YTD, annualized)

2.33%-32 bps YoY

Efficiency Ratio (YTD, annualized)

703%+59,449 bps YoY

Net Worth / Assets

12.38%-541 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.25%-0.02%-0.08%-0.10%-16.22%-1,597 bps
Return on Equity-1.41%-0.09%-0.44%-0.63%-131.02%-12,960 bps
Net Interest Margin2.65%2.71%2.64%2.51%2.33%-32 bps
Efficiency Ratio108.38%107.42%109.14%109.57%703%+59,449 bps
Growth
Asset Growth (YoY)3.06%0.98%3.22%4.72%7.94%+488 bps
Loan Growth (YoY)-1.55%2.45%4.13%-9.99%-8.67%-713 bps
Share Growth (YoY)4.53%1.47%3.95%5.80%9.26%+473 bps
Asset Quality
Delinquent Loans / Loans0.05%0.05%3.34%3.78%0.68%+62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.98%0.83%0.76%0.81%0.80%-18 bps
Capital
Risk-Based Capital17.79%18.22%17.61%16.75%12.38%-541 bps
Net Worth / Assets17.79%18.22%17.61%16.75%12.38%-541 bps
Liquidity & Funding
Loans / Shares83.93%86.50%84.33%70.90%70.15%-1,378 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps