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MWD

Los Angeles, CA · Charter 10837

NCUA · 1 branch

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

MWD

Los Angeles, CA · Charter 10837

NCUA · 1 branch

Q3 2018

$44.9MAssets
$20.3MLoans
$39.0MShares
$5.1MNet Worth

Executive Summary

  • Earnings: ROA of -2.02%, down 208 bps year over year; NIM at 2.03%.
  • Asset quality: problem loans at 0.36% of loans (+32 bps YoY).
  • Capital: net worth / assets of 11.42%, down 28 bps from a year ago.
  • Funding: loans stand at 52.11% of shares as of Q3 2018.

Return on Assets (YTD, annualized)

-2.02%-208 bps YoY

Net Interest Margin (YTD, annualized)

2.03%-58 bps YoY

Efficiency Ratio (YTD, annualized)

178.47%+8,254 bps YoY

Net Worth / Assets

11.42%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.20%0.00%-0.13%0.06%0.20%0.23%0.34%-2.02%-208 bps
Return on Equity1.58%-0.02%-1.12%0.48%1.59%1.84%2.85%-17.68%-1,816 bps
Net Interest Margin2.56%2.49%2.50%2.61%2.77%2.92%2.89%2.03%-58 bps
Efficiency Ratio92.61%102.44%102.42%95.93%93.06%91.47%90.68%178.47%+8,254 bps
Growth
Asset Growth (YoY)2.36%6.56%9.04%4.74%2.67%0.16%-1.06%-8.18%-1,292 bps
Loan Growth (YoY)2.39%4.26%14.64%19.54%19.20%17.39%2.72%1.90%-1,763 bps
Share Growth (YoY)3.28%8.79%9.97%4.30%2.56%-0.85%-1.91%-7.54%-1,184 bps
Asset Quality
Delinquent Loans / Loans1.55%0.03%0.15%0.03%0.08%0.07%0.23%0.36%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.57%0.52%0.53%0.56%0.49%0.48%0.39%0.92%+36 bps
Capital
Risk-Based Capital12.43%12.03%11.54%11.70%12.31%12.26%12.09%11.42%-28 bps
Net Worth / Assets12.43%12.03%11.54%11.70%12.31%12.26%12.09%11.42%-28 bps
Liquidity & Funding
Loans / Shares42.46%41.21%45.58%47.28%49.34%48.80%47.73%52.11%+483 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps