PackageTrendsPeer
Letter portraitLegal landscape

Mutual Diversified Employees

Santa Ana, CA · Charter 20658

Q4 2009

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 2009, the quarter ended December 31, 2009, 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

Mutual Diversified Employees

Santa Ana, CA · Charter 20658

Q4 2009

$6.1MAssets
$3.4MLoans
$8.6MShares
$-2735KNet 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 -60.97%, down 6,138 bps year over year; NIM at 1.24%.
  • Asset quality: problem loans at 46.21% of loans (+4,522 bps YoY).
  • Capital: net worth / assets of -45.00%, down 5,891 bps from a year ago.
  • Funding: loans stand at 38.92% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-60.97%-6,138 bps YoY

Net Interest Margin (YTD, annualized)

1.24%-107 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

-45.00%-5,891 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets0.41%0.20%0.46%-0.21%-60.97%-6,138 bps
Return on Equity2.95%1.45%3.42%-2.14%n/an/a
Net Interest Margin2.31%2.27%2.25%1.72%1.24%-107 bps
Efficiency Ratio82.65%91.07%79.73%111.95%n/an/a
Growth
Asset Growth (YoY)15.35%13.90%15.01%56.79%-12.87%-2,822 bps
Loan Growth (YoY)-0.77%-1.40%1.90%-4.88%-19.94%-1,917 bps
Share Growth (YoY)17.62%16.01%17.06%66.30%43.66%+2,603 bps
Asset Quality
Delinquent Loans / Loans0.99%0.00%1.48%24.22%46.21%+4,522 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.12%0.10%0.11%0.11%0.42%+31 bps
Capital
Risk-Based Capital13.91%14.06%13.52%9.71%-45.00%-5,891 bps
Net Worth / Assets13.91%14.06%13.52%9.71%-45.00%-5,891 bps
Liquidity & Funding
Loans / Shares69.83%67.96%63.51%41.97%38.92%-3,091 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps