PackageTrendsPeer
Letter portraitLegal landscape

Guidance Church of Religious Scienc

Los Angeles, CA · Charter 22965

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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

Guidance Church of Religious Scienc

Los Angeles, CA · Charter 22965

Q2 2014

$121KAssets
$28KLoans
$76KShares
$45KNet 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 -4.08%, down 172 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 5.96% of loans (+365 bps YoY).
  • Capital: net worth / assets of 37.05%, up 1,240 bps from a year ago.
  • Funding: loans stand at 37.14% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-4.08%-172 bps YoY

Net Interest Margin (YTD, annualized)

3.40%+2 bps YoY

Efficiency Ratio (YTD, annualized)

175.69%+1,682 bps YoY

Net Worth / Assets

37.05%+1,240 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets-2.37%-3.53%0.38%-3.30%-4.08%-172 bps
Return on Equity-9.61%-13.06%1.29%-10.07%-11.02%-142 bps
Net Interest Margin3.39%3.62%3.32%3.58%3.40%+2 bps
Efficiency Ratio158.88%181.80%181.44%152.05%175.69%+1,682 bps
Growth
Asset Growth (YoY)-8.47%-21.71%-18.92%-20.46%-26.53%-1,806 bps
Loan Growth (YoY)-28.21%-40.14%-33.99%-32.34%-28.37%-16 bps
Share Growth (YoY)-6.72%-24.12%-25.35%-30.24%-38.62%-3,190 bps
Asset Quality
Delinquent Loans / Loans2.30%3.12%12.27%0.00%5.96%+365 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans24.42%28.51%12.42%1.25%1.41%-2,300 bps
Capital
Risk-Based Capital24.64%27.02%29.73%32.77%37.05%+1,240 bps
Net Worth / Assets24.64%27.02%29.73%32.77%37.05%+1,240 bps
Liquidity & Funding
Loans / Shares31.83%32.18%36.69%33.84%37.14%+532 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps