PackageTrendsPeer
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Angelus Can Employees

Los Angeles, CA · Charter 15449

Q2 2013

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 2013, the quarter ended June 30, 2013, 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

Angelus Can Employees

Los Angeles, CA · Charter 15449

Q2 2013

$1.5MAssets
$609KLoans
$1.3MShares
$195KNet 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 -3.09%, up 150 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 17.55% of loans (+140 bps YoY).
  • Capital: net worth / assets of 13.24%, down 146 bps from a year ago.
  • Funding: loans stand at 47.71% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-3.09%+150 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-97 bps YoY

Efficiency Ratio (YTD, annualized)

208%+7,613 bps YoY

Net Worth / Assets

13.24%-146 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-4.59%-5.75%-5.52%-3.77%-3.09%+150 bps
Return on Equity-31.18%-44.67%-38.97%-27.84%-23.34%+784 bps
Net Interest Margin3.84%3.81%4.16%2.93%2.87%-97 bps
Efficiency Ratio131.41%137.17%143.06%228%208%+7,613 bps
Growth
Asset Growth (YoY)0.79%4.75%-6.85%-12.49%-17.27%-1,807 bps
Loan Growth (YoY)-2.15%-14.17%-14.96%-19.18%-27.46%-2,531 bps
Share Growth (YoY)4.99%11.98%-2.16%-10.61%-15.77%-2,075 bps
Asset Quality
Delinquent Loans / Loans16.16%15.36%11.78%15.56%17.55%+140 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.25%8.20%8.86%9.25%9.88%+563 bps
Capital
Risk-Based Capital14.71%12.88%14.17%13.53%13.24%-146 bps
Net Worth / Assets14.71%12.88%14.17%13.53%13.24%-146 bps
Liquidity & Funding
Loans / Shares55.40%50.27%54.39%49.82%47.71%-769 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps