PackageTrendsPeer
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C B S Employees

Los Angeles, CA · Charter 14588

NCUA · 2 branches

Q4 2018

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: Q4 2018, the quarter ended December 31, 2018, 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

C B S Employees

Los Angeles, CA · Charter 14588

NCUA · 2 branches

Q4 2018

$21.0MAssets
$6.1MLoans
$18.4MShares
$2.6MNet 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 0.57%, up 36 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.33% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.57%, down 61 bps from a year ago.
  • Funding: loans stand at 33.22% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

0.57%+36 bps YoY

Net Interest Margin (YTD, annualized)

2.08%+28 bps YoY

Efficiency Ratio (YTD, annualized)

82.15%-1,097 bps YoY

Net Worth / Assets

12.57%-61 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.22%0.18%0.31%0.56%0.57%+36 bps
Return on Equity1.65%1.46%2.58%4.57%4.56%+291 bps
Net Interest Margin1.80%1.84%1.91%1.99%2.08%+28 bps
Efficiency Ratio93.12%94.03%89.83%82.68%82.15%-1,097 bps
Growth
Asset Growth (YoY)1.33%4.76%3.34%2.66%9.88%+855 bps
Loan Growth (YoY)-1.54%-3.39%1.05%9.49%11.63%+1,318 bps
Share Growth (YoY)1.24%5.16%3.38%2.39%10.58%+934 bps
Asset Quality
Delinquent Loans / Loans0.33%0.42%0.30%0.40%0.33%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%0.49%0.48%0.46%0.38%-9 bps
Capital
Risk-Based Capital13.19%12.35%12.17%12.36%12.57%-61 bps
Net Worth / Assets13.19%12.35%12.17%12.36%12.57%-61 bps
Liquidity & Funding
Loans / Shares32.90%29.28%29.67%31.71%33.22%+31 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps