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Peoples Ind Church

Los Angeles, CA · Charter 10767

NCUA · 2 branches

Q3 2021

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 2021, the quarter ended September 30, 2021, 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

Peoples Ind Church

Los Angeles, CA · Charter 10767

NCUA · 2 branches

Q3 2021

$29KAssets
$2KLoans
$28KShares
$1KNet 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 -5.79%, down 216 bps year over year; NIM at 1.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 2.92%, down 275 bps from a year ago.
  • Funding: loans stand at 6.12% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-5.79%-216 bps YoY

Net Interest Margin (YTD, annualized)

1.34%-23 bps YoY

Efficiency Ratio (YTD, annualized)

664%+33,240 bps YoY

Net Worth / Assets

2.92%-275 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-3.63%-5.05%-2.57%-6.28%-5.79%-216 bps
Return on Equity-64.05%-75.32%-47.78%-216%-198.41%-13,436 bps
Net Interest Margin1.57%1.74%0.47%1.07%1.34%-23 bps
Efficiency Ratio331%391%651%948%664%+33,240 bps
Growth
Asset Growth (YoY)-37.86%-29.92%-16.21%-21.97%-42.02%-416 bps
Loan Growth (YoY)-79.01%-89.35%-50.88%-29.90%25.33%+10,434 bps
Share Growth (YoY)-37.98%-28.75%-13.52%-18.20%-40.33%-236 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 / Loans35.27%75.20%24.19%0.00%0.00%-3,527 bps
Capital
Risk-Based Capital5.67%6.71%5.38%2.91%2.92%-275 bps
Net Worth / Assets5.67%6.71%5.38%2.91%2.92%-275 bps
Liquidity & Funding
Loans / Shares2.91%1.94%5.67%3.65%6.12%+320 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps