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Cal Poly

Pomona, CA · Charter 14739

NCUA · 1 branch

Q2 2021

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: Q2 2021, the quarter ended June 30, 2021, 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

Cal Poly

Pomona, CA · Charter 14739

NCUA · 1 branch

Q2 2021

$19.3MAssets
$5.5MLoans
$18.5MShares
$740KNet 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 -2.06%, down 215 bps year over year; NIM at 1.65%.
  • Asset quality: problem loans at 0.05% of loans (-2 bps YoY).
  • Capital: net worth / assets of 3.83%, down 193 bps from a year ago.
  • Funding: loans stand at 29.71% of shares as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

-2.06%-215 bps YoY

Net Interest Margin (YTD, annualized)

1.65%-152 bps YoY

Efficiency Ratio (YTD, annualized)

189.75%+9,249 bps YoY

Net Worth / Assets

3.83%-193 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.10%0.04%-0.08%-2.81%-2.06%-215 bps
Return on Equity1.68%0.77%-1.49%-67.93%-53.72%-5,539 bps
Net Interest Margin3.17%2.90%2.66%1.79%1.65%-152 bps
Efficiency Ratio97.26%98.63%102.18%219%189.75%+9,249 bps
Growth
Asset Growth (YoY)17.65%20.58%25.23%28.40%15.95%-170 bps
Loan Growth (YoY)-4.48%-15.01%-24.54%-31.65%-34.57%-3,009 bps
Share Growth (YoY)18.82%21.81%27.18%30.60%18.27%-54 bps
Asset Quality
Delinquent Loans / Loans0.07%0.00%0.07%0.06%0.05%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.29%0.23%0.26%0.28%0.31%+2 bps
Capital
Risk-Based Capital5.76%5.48%5.20%4.13%3.83%-193 bps
Net Worth / Assets5.76%5.48%5.20%4.13%3.83%-193 bps
Liquidity & Funding
Loans / Shares53.70%46.94%40.23%32.84%29.71%-2,399 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps