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Victor Valley

Victorville, CA · Charter 17164

NCUA · 1 branch

Q4 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: Q4 2019, the quarter ended December 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

Victor Valley

Victorville, CA · Charter 17164

NCUA · 1 branch

Q4 2019

$9.1MAssets
$2.0MLoans
$8.4MShares
$615KNet 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 -0.13%, up 6 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 2.23% of loans (-27 bps YoY).
  • Capital: net worth / assets of 6.79%, up 31 bps from a year ago.
  • Funding: loans stand at 23.94% of shares as of Q4 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.13%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+19 bps YoY

Efficiency Ratio (YTD, annualized)

102.83%+48 bps YoY

Net Worth / Assets

6.79%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets-0.19%-0.16%0.01%-0.09%-0.13%+6 bps
Return on Equity-3.00%-2.40%0.09%-1.29%-1.99%+101 bps
Net Interest Margin2.51%2.58%2.59%2.63%2.70%+19 bps
Efficiency Ratio102.35%104.79%102.07%102.57%102.83%+48 bps
Growth
Asset Growth (YoY)-0.27%-3.59%-2.69%-4.46%-5.36%-509 bps
Loan Growth (YoY)1.16%-1.58%-6.71%0.21%1.13%-3 bps
Share Growth (YoY)-0.12%-3.67%-2.88%-4.68%-5.66%-554 bps
Asset Quality
Delinquent Loans / Loans2.50%1.92%2.44%2.40%2.23%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.65%0.69%0.55%0.48%0.44%-21 bps
Capital
Risk-Based Capital6.48%6.46%6.53%6.61%6.79%+31 bps
Net Worth / Assets6.48%6.46%6.53%6.61%6.79%+31 bps
Liquidity & Funding
Loans / Shares22.33%21.65%21.17%23.15%23.94%+161 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps