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Japan Air Lines

Burlingame, CA · Charter 15167

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Japan Air Lines

Burlingame, CA · Charter 15167

Q3 2010

$13.2MAssets
$7.1MLoans
$12.3MShares
$839KNet 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 -4.91%, up 555 bps year over year; NIM at 1.52%.
  • Asset quality: problem loans at 6.23% of loans (+407 bps YoY).
  • Capital: net worth / assets of 6.36%, down 462 bps from a year ago.
  • Funding: loans stand at 57.80% of shares as of Q3 2010.

Financial Results

Return on Assets (YTD, annualized)

-4.91%+555 bps YoY

Net Interest Margin (YTD, annualized)

1.52%-251 bps YoY

Efficiency Ratio (YTD, annualized)

509%+34,431 bps YoY

Net Worth / Assets

6.36%-462 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets-10.46%-7.44%-6.08%-2.90%-4.91%+555 bps
Return on Equity-95.22%-70.21%-57.51%-30.30%-77.19%+1,803 bps
Net Interest Margin4.03%4.18%4.42%3.38%1.52%-251 bps
Efficiency Ratio164.54%152.21%144.61%179.39%509%+34,431 bps
Growth
Asset Growth (YoY)-10.15%-7.10%-10.64%-8.86%2.25%+1,240 bps
Loan Growth (YoY)-12.35%-2.76%-5.99%7.00%17.88%+3,023 bps
Share Growth (YoY)-6.17%-2.58%-6.79%-3.87%6.59%+1,276 bps
Asset Quality
Delinquent Loans / Loans2.16%6.09%7.77%5.86%6.23%+407 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.12%5.98%5.79%4.71%2.78%-334 bps
Capital
Risk-Based Capital10.98%10.60%10.56%9.56%6.36%-462 bps
Net Worth / Assets10.98%10.60%10.56%9.56%6.36%-462 bps
Liquidity & Funding
Loans / Shares52.26%55.79%59.19%56.20%57.80%+554 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps