PackageTrendsPeer
Letter portraitLegal landscape

Union Employees

Los Angeles, CA · Charter 11095

Q1 2007

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 2007, the quarter ended March 31, 2007, 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

Union Employees

Los Angeles, CA · Charter 11095

Q1 2007

$5.0MAssets
$3.7MLoans
$4.4MShares
$279KNet 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 -0.45%, down 53 bps year over year; NIM at 4.31%.
  • Asset quality: problem loans at 10.30% of loans (+867 bps YoY).
  • Capital: net worth / assets of 5.55%, down 749 bps from a year ago.
  • Funding: loans stand at 83.92% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-0.45%-53 bps YoY

Net Interest Margin (YTD, annualized)

4.31%+47 bps YoY

Efficiency Ratio (YTD, annualized)

109.41%+1,123 bps YoY

Net Worth / Assets

5.55%-749 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.07%-0.71%-0.04%-1.74%-0.45%-53 bps
Return on Equity0.57%-5.35%-0.33%-16.22%-8.15%-872 bps
Net Interest Margin3.84%4.16%1.75%4.07%4.31%+47 bps
Efficiency Ratio98.19%115.99%102.44%127.29%109.41%+1,123 bps
Growth
Asset Growth (YoY)-11.08%-14.86%-11.09%-0.97%-7.07%+400 bps
Loan Growth (YoY)1.40%13.96%37.77%58.03%40.33%+3,894 bps
Share Growth (YoY)-12.55%-17.05%-18.45%-13.99%-5.88%+666 bps
Asset Quality
Delinquent Loans / Loans1.63%0.00%0.00%0.00%10.30%+867 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.16%1.06%0.87%0.74%9.53%+836 bps
Capital
Risk-Based Capital13.05%13.31%12.94%10.76%5.55%-749 bps
Net Worth / Assets13.05%13.31%12.94%10.76%5.55%-749 bps
Liquidity & Funding
Loans / Shares56.28%65.10%82.26%96.42%83.92%+2,764 bps
Liquid Assets / Assets48.14%0.00%0.00%0.00%0.00%-4,814 bps