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Sears Central

Downey, CA · Charter 2351

Q4 1995

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 1995, the quarter ended December 31, 1995, 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

Sears Central

Downey, CA · Charter 2351

Q4 1995

$7.4MAssets
$3.2MLoans
$5.9MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.49%.
  • Asset quality: problem loans at 1.17% of loans.
  • Funding: loans stand at 53.79% of shares as of Q4 1995.

Return on Assets (YTD, annualized)

3.49%

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets2.52%2.91%3.25%3.49%n/a
Return on Equityn/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans1.09%1.29%0.93%1.17%n/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loans1.41%1.34%1.42%1.26%n/a
Capital
Risk-Based Capitaln/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares46.57%53.19%54.98%53.79%n/a
Liquid Assets / Assets58.66%53.75%53.51%55.32%n/a