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Moore West

San Leandro, CA · Charter 23953

NCUA · 2 branches

Q2 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: Q2 2022, the quarter ended June 30, 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

Moore West

San Leandro, CA · Charter 23953

NCUA · 2 branches

Q2 2022

$11.4MAssets
$2.0MLoans
$11.3MShares
$298KNet Worth

Executive Summary

  • Earnings: ROA of -13.84%, down 1,289 bps year over year; NIM at 1.60%.
  • Asset quality: problem loans at 2.90% of loans (+290 bps YoY).
  • Capital: net worth / assets of 2.62%, down 658 bps from a year ago.
  • Funding: loans stand at 18.14% of shares as of Q2 2022.

Return on Assets (YTD, annualized)

-13.84%-1,289 bps YoY

Net Interest Margin (YTD, annualized)

1.60%-158 bps YoY

Efficiency Ratio (YTD, annualized)

820%+68,699 bps YoY

Net Worth / Assets

2.62%-658 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets-1.70%-1.30%-0.74%-0.95%-1.15%-1.31%-8.75%-13.84%-1,289 bps
Return on Equity-17.94%-13.68%-8.11%-10.37%-13.05%-14.59%-120.55%-529%-51,825 bps
Net Interest Margin2.97%2.99%3.10%3.18%2.93%3.04%-0.09%1.60%-158 bps
Efficiency Ratio128.92%129.16%130.82%132.96%145.79%147.51%7829%820%+68,699 bps
Growth
Asset Growth (YoY)-8.24%-7.20%-1.48%-3.53%-2.60%-7.83%-13.46%-12.55%-902 bps
Loan Growth (YoY)-4.40%-4.97%-9.79%-9.10%-16.20%-14.26%-9.74%-13.63%-453 bps
Share Growth (YoY)-6.72%-5.84%0.36%-2.11%-1.66%-6.80%-11.22%-5.52%-341 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.64%1.53%0.69%2.90%+290 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.92%1.64%1.44%1.39%0.43%0.32%0.27%0.29%-110 bps
Capital
Risk-Based Capital9.48%9.49%9.19%9.19%8.84%8.98%7.26%2.62%-658 bps
Net Worth / Assets9.48%9.49%9.19%9.19%8.84%8.98%7.26%2.62%-658 bps
Liquidity & Funding
Loans / Shares21.91%21.92%19.63%19.85%18.67%20.16%19.96%18.14%-170 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps