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Parsons

Pasadena, CA · Charter 22141

NCUA · 2 branches

Q4 2022

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 2022, the quarter ended December 31, 2022, 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

Parsons

Pasadena, CA · Charter 22141

NCUA · 2 branches

Q4 2022

$284.4MAssets
$174.7MLoans
$261.4MShares
$28.0MNet Worth

Executive Summary

  • Earnings: ROA of -0.51%, down 56 bps year over year; NIM at 1.98%.
  • Asset quality: problem loans at 0.19% of loans (+7 bps YoY).
  • Capital: net worth / assets of 9.83%, down 132 bps from a year ago.
  • Funding: loans stand at 66.84% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

-0.51%-56 bps YoY

Net Interest Margin (YTD, annualized)

1.98%+1 bps YoY

Efficiency Ratio (YTD, annualized)

111.28%+1,714 bps YoY

Net Worth / Assets

9.83%-132 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.23%0.09%0.03%0.05%-0.19%-0.34%-0.26%-0.51%-56 bps
Return on Equity2.03%0.77%0.24%0.45%-1.72%-3.16%-2.34%-5.20%-566 bps
Net Interest Margin1.99%1.99%1.98%1.97%1.90%1.99%2.10%1.98%+1 bps
Efficiency Ratio88.98%91.91%95.84%94.14%107.88%106.37%102.59%111.28%+1,714 bps
Growth
Asset Growth (YoY)10.39%3.71%4.58%4.94%1.98%0.82%-0.26%7.78%+284 bps
Loan Growth (YoY)6.51%11.73%10.45%6.50%7.75%6.99%10.13%16.57%+1,007 bps
Share Growth (YoY)7.68%9.67%10.71%8.82%8.04%0.45%-0.60%12.79%+397 bps
Asset Quality
Delinquent Loans / Loans0.05%0.11%0.16%0.13%0.15%0.21%0.23%0.19%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.41%0.44%0.40%0.39%0.34%0.34%0.37%0.39%0 bps
Capital
Risk-Based Capital11.24%11.13%11.05%11.14%10.97%10.88%10.92%9.83%-132 bps
Net Worth / Assets11.24%11.13%11.05%11.14%10.97%10.88%10.92%9.83%-132 bps
Liquidity & Funding
Loans / Shares65.61%64.71%64.65%64.67%65.44%68.92%71.63%66.84%+217 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps