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Pepsi Cola

Los Alamitos, CA · Charter 11060

Q4 2012

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: Q4 2012, the quarter ended December 31, 2012, 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

Pepsi Cola

Los Alamitos, CA · Charter 11060

Q4 2012

$652KAssets
$342KLoans
$466KShares
$146KNet 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 -0.61%, up 74 bps year over year; NIM at 5.17%.
  • Asset quality: problem loans at 0.00% of loans (-352 bps YoY).
  • Capital: net worth / assets of 22.45%, up 249 bps from a year ago.
  • Funding: loans stand at 73.38% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.61%+74 bps YoY

Net Interest Margin (YTD, annualized)

5.17%-8 bps YoY

Efficiency Ratio (YTD, annualized)

100.97%-610 bps YoY

Net Worth / Assets

22.45%+249 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-1.34%-1.34%-0.59%-0.67%-0.61%+74 bps
Return on Equity-6.74%-6.90%-2.96%-3.40%-2.71%+403 bps
Net Interest Margin5.25%4.45%4.76%4.69%5.17%-8 bps
Efficiency Ratio107.07%88.32%92.60%100.37%100.97%-610 bps
Growth
Asset Growth (YoY)-25.68%-20.24%-19.55%-17.46%-12.60%+1,307 bps
Loan Growth (YoY)-35.64%-24.36%-31.57%-28.73%-26.07%+957 bps
Share Growth (YoY)-29.48%-22.39%-21.27%-20.14%-21.19%+829 bps
Asset Quality
Delinquent Loans / Loans3.52%2.65%3.02%2.09%0.00%-352 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.64%1.65%1.96%2.10%2.22%+58 bps
Capital
Risk-Based Capital19.96%19.50%19.99%19.81%22.45%+249 bps
Net Worth / Assets19.96%19.50%19.99%19.81%22.45%+249 bps
Liquidity & Funding
Loans / Shares78.22%76.72%66.11%61.96%73.38%-484 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps