PackageTrendsPeer
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J I N S

Laguna Niguel, CA · Charter 14631

NCUA · 2 branches

Q1 2019

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 2019, the quarter ended March 31, 2019, 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

J I N S

Laguna Niguel, CA · Charter 14631

NCUA · 2 branches

Q1 2019

$18.8MAssets
$7.0MLoans
$17.2MShares
$1.6MNet 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 0.21%, down 6 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 1.28% of loans (+58 bps YoY).
  • Capital: net worth / assets of 8.58%, down 313 bps from a year ago.
  • Funding: loans stand at 40.66% of shares as of Q1 2019.

Financial Results

Return on Assets (YTD, annualized)

0.21%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+17 bps YoY

Efficiency Ratio (YTD, annualized)

92.72%+9 bps YoY

Net Worth / Assets

8.58%-313 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019YoY ΔTrend
Earnings
Return on Assets0.27%-8.38%-5.21%-3.91%0.21%-6 bps
Return on Equity2.31%-96.37%-60.36%-43.52%2.45%+14 bps
Net Interest Margin2.93%3.28%3.21%3.31%3.10%+17 bps
Efficiency Ratio92.63%93.66%89.27%88.79%92.72%+9 bps
Growth
Asset Growth (YoY)-2.07%-9.67%-5.81%-7.63%-4.89%-283 bps
Loan Growth (YoY)13.53%19.86%9.34%10.34%10.90%-263 bps
Share Growth (YoY)-2.39%-7.16%-1.23%-3.85%-1.41%+98 bps
Asset Quality
Delinquent Loans / Loans0.70%2.79%0.94%1.21%1.28%+58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.26%12.47%11.50%11.30%10.98%+972 bps
Capital
Risk-Based Capital11.70%8.69%8.64%8.99%8.58%-313 bps
Net Worth / Assets11.70%8.69%8.64%8.99%8.58%-313 bps
Liquidity & Funding
Loans / Shares36.14%41.84%39.46%42.30%40.66%+451 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps