PackageTrendsPeer
Letter portraitLegal landscape

Wyle Employees

El Segundo, CA · Charter 15318

Q4 2003

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 2003, the quarter ended December 31, 2003, 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

Wyle Employees

El Segundo, CA · Charter 15318

Q4 2003

$1.5MAssets
$1.1MLoans
$1.3MShares
$181KNet 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 -0.79%, down 158 bps year over year; NIM at 5.72%.
  • Asset quality: problem loans at 7.07% of loans (+357 bps YoY).
  • Capital: net worth / assets of 12.08%, up 37 bps from a year ago.
  • Funding: loans stand at 83.28% of shares as of Q4 2003.

Financial Results

Return on Assets (YTD, annualized)

-0.79%-158 bps YoY

Net Interest Margin (YTD, annualized)

5.72%-98 bps YoY

Efficiency Ratio (YTD, annualized)

107.32%+2,392 bps YoY

Net Worth / Assets

12.08%+37 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets0.79%-0.29%-0.60%-0.64%-0.79%-158 bps
Return on Equity6.79%-2.53%-5.65%-6.06%-6.52%-1,331 bps
Net Interest Margin6.70%5.87%5.14%5.21%5.72%-98 bps
Efficiency Ratio83.40%97.09%103.50%104.77%107.32%+2,392 bps
Growth
Asset Growth (YoY)-35.41%-25.36%-8.24%-10.62%-9.02%+2,639 bps
Loan Growth (YoY)-28.59%-11.10%-20.61%-20.44%-22.80%+580 bps
Share Growth (YoY)-38.31%-27.87%-8.67%-11.10%-9.46%+2,886 bps
Asset Quality
Delinquent Loans / Loans3.50%4.42%3.53%3.47%7.07%+357 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.42%1.40%1.14%1.18%1.33%-9 bps
Capital
Risk-Based Capital11.71%11.51%10.60%10.64%12.08%+37 bps
Net Worth / Assets11.71%11.51%10.60%10.64%12.08%+37 bps
Liquidity & Funding
Loans / Shares97.66%93.95%80.47%79.86%83.28%-1,439 bps
Liquid Assets / Assets12.60%11.49%27.28%26.74%24.55%+1,196 bps