PackageTrendsPeer
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Newport Beach City Employees

Newport Beach, CA · Charter 13144

Q1 2015

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 2015, the quarter ended March 31, 2015, 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

Newport Beach City Employees

Newport Beach, CA · Charter 13144

Q1 2015

$12.2MAssets
$6.2MLoans
$11.9MShares
$-1063KNet Worth

Executive Summary

  • Earnings: ROA of -0.59%, down 111 bps year over year; NIM at 2.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of -8.69%, down 1,361 bps from a year ago.
  • Funding: loans stand at 52.58% of shares as of Q1 2015.

Return on Assets (YTD, annualized)

-0.59%-111 bps YoY

Net Interest Margin (YTD, annualized)

2.50%+23 bps YoY

Efficiency Ratio (YTD, annualized)

116.62%+2,864 bps YoY

Net Worth / Assets

-8.69%-1,361 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets0.03%0.02%-0.79%0.51%0.53%-1.30%-2.11%-0.59%-111 bps
Return on Equity0.39%0.27%-13.60%10.46%10.42%-31.96%-67.61%n/an/a
Net Interest Margin2.64%2.53%2.53%2.27%2.31%2.40%2.49%2.50%+23 bps
Efficiency Ratio99.29%99.51%117.47%87.98%94.00%142.01%157.91%116.62%+2,864 bps
Growth
Asset Growth (YoY)11.98%8.57%11.67%10.48%7.42%-1.11%-3.93%-8.57%-1,905 bps
Loan Growth (YoY)-6.66%-2.91%-1.47%1.90%6.30%-0.15%4.92%2.97%+107 bps
Share Growth (YoY)12.99%9.22%12.74%11.26%7.85%-1.26%-3.60%-5.12%-1,638 bps
Asset Quality
Delinquent Loans / Loans0.25%0.34%0.15%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.68%0.66%1.02%0.96%0.64%0.65%0.88%0.87%-9 bps
Capital
Risk-Based Capital6.79%6.58%5.80%4.91%5.07%4.08%3.12%-8.69%-1,361 bps
Net Worth / Assets6.79%6.58%5.80%4.91%5.07%4.08%3.12%-8.69%-1,361 bps
Liquidity & Funding
Loans / Shares49.71%49.87%49.85%48.45%49.00%50.43%54.25%52.58%+413 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps