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Fairview Employees

Costa Mesa, CA · Charter 13560

Q3 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: Q3 2015, the quarter ended September 30, 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

Fairview Employees

Costa Mesa, CA · Charter 13560

Q3 2015

$14.1MAssets
$5.7MLoans
$12.4MShares
$1.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.02%, down 44 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.21% of loans (-3 bps YoY).
  • Capital: net worth / assets of 11.87%, down 31 bps from a year ago.
  • Funding: loans stand at 45.88% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.02%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.63%-4 bps YoY

Efficiency Ratio (YTD, annualized)

99.90%-103 bps YoY

Net Worth / Assets

11.87%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-0.03%-0.04%0.62%0.46%0.36%-0.08%0.01%0.02%-44 bps
Return on Equity-0.23%-0.35%5.09%3.75%2.92%-0.67%0.10%0.19%-357 bps
Net Interest Margin3.06%2.78%2.62%2.67%2.70%2.68%2.56%2.63%-4 bps
Efficiency Ratio100.82%101.27%102.62%100.92%100.30%102.64%100.54%99.90%-103 bps
Growth
Asset Growth (YoY)-5.92%-2.31%3.06%4.28%10.11%6.91%5.25%2.83%-145 bps
Loan Growth (YoY)-6.85%-5.51%-6.12%-1.71%-0.26%-1.62%-0.99%-0.53%+119 bps
Share Growth (YoY)-6.37%-3.02%2.82%5.06%10.78%7.95%5.39%3.56%-150 bps
Asset Quality
Delinquent Loans / Loans0.20%0.31%0.23%0.23%0.17%0.16%0.22%0.21%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.84%1.84%1.00%0.98%0.93%0.90%0.86%0.86%-13 bps
Capital
Risk-Based Capital13.05%12.50%12.12%12.18%12.21%12.03%11.57%11.87%-31 bps
Net Worth / Assets13.05%12.50%12.12%12.18%12.21%12.03%11.57%11.87%-31 bps
Liquidity & Funding
Loans / Shares54.22%51.76%47.94%47.77%48.82%47.16%45.04%45.88%-189 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps