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Deluxe Laboratories

Hollywood, CA · Charter 12006

NCUA · 1 branch

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Deluxe Laboratories

Hollywood, CA · Charter 12006

NCUA · 1 branch

Q3 2016

$7.9MAssets
$5.4MLoans
$7.4MShares
$540KNet 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 -2.34%, down 132 bps year over year; NIM at 3.87%.
  • Asset quality: problem loans at 2.10% of loans (+94 bps YoY).
  • Capital: net worth / assets of 6.81%, down 59 bps from a year ago.
  • Funding: loans stand at 73.42% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.34%-132 bps YoY

Net Interest Margin (YTD, annualized)

3.87%+82 bps YoY

Efficiency Ratio (YTD, annualized)

129.32%+2,808 bps YoY

Net Worth / Assets

6.81%-59 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-1.02%-0.72%0.02%0.32%-2.34%-132 bps
Return on Equity-13.80%-9.61%0.25%3.93%-34.33%-2,053 bps
Net Interest Margin3.05%3.11%3.55%3.73%3.87%+82 bps
Efficiency Ratio101.24%99.55%99.55%92.65%129.32%+2,808 bps
Growth
Asset Growth (YoY)16.61%17.33%2.24%-6.68%-12.95%-2,956 bps
Loan Growth (YoY)28.37%48.75%59.17%36.00%29.95%+158 bps
Share Growth (YoY)19.53%20.29%3.21%-7.37%-12.31%-3,184 bps
Asset Quality
Delinquent Loans / Loans1.16%0.68%0.31%3.53%2.10%+94 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.83%2.25%1.90%1.85%2.33%-50 bps
Capital
Risk-Based Capital7.40%7.48%7.54%8.27%6.81%-59 bps
Net Worth / Assets7.40%7.48%7.54%8.27%6.81%-59 bps
Liquidity & Funding
Loans / Shares49.54%59.19%65.89%70.94%73.42%+2,388 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps