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P.V.H.M.C.

Pomona, CA · Charter 21509

NCUA · 2 branches

Q3 2023

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 2023, the quarter ended September 30, 2023, 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

P.V.H.M.C.

Pomona, CA · Charter 21509

NCUA · 2 branches

Q3 2023

$13.9MAssets
$5.2MLoans
$12.5MShares
$1.4MNet 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 0.04%, down 37 bps year over year; NIM at 4.98%.
  • Asset quality: problem loans at 1.15% of loans (+39 bps YoY).
  • Capital: net worth / assets of 9.80%, up 41 bps from a year ago.
  • Funding: loans stand at 41.60% of shares as of Q3 2023.

Financial Results

Return on Assets (YTD, annualized)

0.04%-37 bps YoY

Net Interest Margin (YTD, annualized)

4.98%+172 bps YoY

Efficiency Ratio (YTD, annualized)

86.73%-123 bps YoY

Net Worth / Assets

9.80%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets0.41%0.33%1.20%1.55%0.04%-37 bps
Return on Equity4.34%3.40%12.43%15.03%0.39%-395 bps
Net Interest Margin3.26%3.58%4.39%4.69%4.98%+172 bps
Efficiency Ratio87.96%91.12%73.24%67.72%86.73%-123 bps
Growth
Asset Growth (YoY)-1.69%-2.69%-0.36%-2.05%-3.80%-211 bps
Loan Growth (YoY)5.11%7.35%-1.18%2.36%3.97%-114 bps
Share Growth (YoY)-1.91%-5.20%-1.09%-3.28%-4.20%-229 bps
Asset Quality
Delinquent Loans / Loans0.77%0.65%0.68%1.04%1.15%+39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.39%0.41%0.40%1.19%+79 bps
Capital
Risk-Based Capital9.39%9.66%9.64%10.30%9.80%+41 bps
Net Worth / Assets9.39%9.66%9.64%10.30%9.80%+41 bps
Liquidity & Funding
Loans / Shares38.33%41.87%38.21%39.74%41.60%+327 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps