PackageTrendsPeer
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Pacific

Pomona, CA · Charter 11464

NCUA · 1 branch

Q1 2022

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 2022, the quarter ended March 31, 2022, 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

Pacific

Pomona, CA · Charter 11464

NCUA · 1 branch

Q1 2022

$21.4MAssets
$4.4MLoans
$19.6MShares
$1.8MNet 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 -14.12%, down 1,356 bps year over year; NIM at 1.38%.
  • Asset quality: problem loans at 1.11% of loans (+101 bps YoY).
  • Capital: net worth / assets of 8.38%, down 397 bps from a year ago.
  • Funding: loans stand at 22.66% of shares as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

-14.12%-1,356 bps YoY

Net Interest Margin (YTD, annualized)

1.38%-47 bps YoY

Efficiency Ratio (YTD, annualized)

881%+75,516 bps YoY

Net Worth / Assets

8.38%-397 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets-0.56%-0.63%-1.18%-1.12%-14.12%-1,356 bps
Return on Equity-4.53%-5.24%-10.10%-9.40%-168.51%-16,398 bps
Net Interest Margin1.85%1.76%1.74%1.73%1.38%-47 bps
Efficiency Ratio125.82%129.02%152.99%150.68%881%+75,516 bps
Growth
Asset Growth (YoY)20.71%12.21%7.88%0.28%-4.17%-2,488 bps
Loan Growth (YoY)-15.39%-12.00%-10.76%-10.68%-17.12%-174 bps
Share Growth (YoY)24.24%12.78%8.49%1.74%-2.18%-2,641 bps
Asset Quality
Delinquent Loans / Loans0.10%0.00%0.27%0.41%1.11%+101 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.59%0.51%0.53%0.56%0.84%+24 bps
Capital
Risk-Based Capital12.35%11.98%11.64%11.93%8.38%-397 bps
Net Worth / Assets12.35%11.98%11.64%11.93%8.38%-397 bps
Liquidity & Funding
Loans / Shares26.75%26.19%25.80%25.63%22.66%-409 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps