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Sharebuilders

Northridge, CA · Charter 13135

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

Sharebuilders

Northridge, CA · Charter 13135

Q1 2007

$681KAssets
$505KLoans
$434KShares
$238KNet 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 -8.11%, down 825 bps year over year; NIM at 0.50%.
  • Asset quality: problem loans at 50.99% of loans (+5,099 bps YoY).
  • Capital: net worth / assets of 34.91%, up 1,674 bps from a year ago.
  • Funding: loans stand at 116.32% of shares as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

-8.11%-825 bps YoY

Net Interest Margin (YTD, annualized)

0.50%-135 bps YoY

Efficiency Ratio (YTD, annualized)

332%+23,582 bps YoY

Net Worth / Assets

34.91%+1,674 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.14%1.50%-1.48%-3.76%-8.11%-825 bps
Return on Equity0.79%5.03%-3.61%-9.77%-23.22%-2,401 bps
Net Interest Margin1.85%2.30%2.62%2.34%0.50%-135 bps
Efficiency Ratio96.52%123.54%164.00%184.89%332%+23,582 bps
Growth
Asset Growth (YoY)10.88%-41.43%-39.79%-57.99%-55.60%-6,648 bps
Loan Growth (YoY)-15.86%-30.60%-33.67%-27.45%-2.98%+1,288 bps
Share Growth (YoY)12.99%-51.23%-54.33%-68.96%-65.04%-7,803 bps
Asset Quality
Delinquent Loans / Loans0.00%8.00%16.58%0.20%50.99%+5,099 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.41%0.09%0.95%2.82%+227 bps
Capital
Risk-Based Capital18.17%29.75%41.01%38.48%34.91%+1,674 bps
Net Worth / Assets18.17%29.75%41.01%38.48%34.91%+1,674 bps
Liquidity & Funding
Loans / Shares41.92%69.49%112.32%105.94%116.32%+7,441 bps
Liquid Assets / Assets64.48%0.00%0.00%0.00%0.00%-6,448 bps