PackageTrendsPeer
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Calvary Baptist of Pacoima

San Fernando, CA · Charter 21417

NCUA · 2 branches

Q3 2020

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 2020, the quarter ended September 30, 2020, 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

Calvary Baptist of Pacoima

San Fernando, CA · Charter 21417

NCUA · 2 branches

Q3 2020

$71KAssets
$0KLoans
$63KShares
$8KNet 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 -2.68%, down 120 bps year over year; NIM at 1.40%.
  • Capital: net worth / assets of 11.15%, up 213 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

-2.68%-120 bps YoY

Net Interest Margin (YTD, annualized)

1.40%+56 bps YoY

Efficiency Ratio (YTD, annualized)

259%+5,580 bps YoY

Net Worth / Assets

11.15%+213 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets-1.48%-1.93%-1.74%-1.70%-2.68%-120 bps
Return on Equity-16.37%-22.78%-21.44%-21.73%-24.00%-763 bps
Net Interest Margin0.84%0.64%1.03%0.98%1.40%+56 bps
Efficiency Ratio203%272%213%237%259%+5,580 bps
Growth
Asset Growth (YoY)-20.76%-12.77%-7.19%-5.11%-37.33%-1,657 bps
Loan Growth (YoY)-70.44%-68.07%-77.74%-85.52%-100.00%-2,956 bps
Share Growth (YoY)-21.29%-12.20%-5.49%-3.31%-38.85%-1,757 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans65.68%81.50%146.86%374%n/an/a
Capital
Risk-Based Capital9.02%8.49%8.12%7.84%11.15%+213 bps
Net Worth / Assets9.02%8.49%8.12%7.84%11.15%+213 bps
Liquidity & Funding
Loans / Shares4.31%3.68%2.09%0.86%0.00%-431 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps