PackageTrendsPeer
Letter portraitLegal landscape

Pacific Transportation

Pasadena, CA · Charter 3378

NCUA · 4 branches

Q1 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: Q1 2023, the quarter ended March 31, 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

Pacific Transportation

Pasadena, CA · Charter 3378

NCUA · 4 branches

Q1 2023

$68.8MAssets
$44.2MLoans
$56.4MShares
$12.2MNet 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 -12.25%, down 1,263 bps year over year; NIM at -8.90%.
  • Asset quality: problem loans at 0.58% of loans (+49 bps YoY).
  • Capital: net worth / assets of 17.73%, down 173 bps from a year ago.
  • Funding: loans stand at 78.46% of shares as of Q1 2023.

Financial Results

Return on Assets (YTD, annualized)

-12.25%-1,263 bps YoY

Net Interest Margin (YTD, annualized)

-8.90%-1,192 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

17.73%-173 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets0.38%0.36%0.42%0.59%-12.25%-1,263 bps
Return on Equity1.97%1.81%2.05%2.82%-69.08%-7,105 bps
Net Interest Margin3.02%3.11%3.23%3.31%-8.90%-1,192 bps
Efficiency Ratio90.62%91.45%90.41%86.82%n/an/a
Growth
Asset Growth (YoY)-5.06%-6.58%-8.40%-4.38%-4.15%+91 bps
Loan Growth (YoY)7.81%7.81%5.27%4.62%-0.37%-818 bps
Share Growth (YoY)-6.82%-6.26%-8.18%-5.52%-0.45%+638 bps
Asset Quality
Delinquent Loans / Loans0.09%0.14%0.25%0.34%0.58%+49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.24%0.23%0.22%0.17%0.17%-6 bps
Capital
Risk-Based Capital19.46%20.05%20.63%21.05%17.73%-173 bps
Net Worth / Assets19.46%20.05%20.63%21.05%17.73%-173 bps
Liquidity & Funding
Loans / Shares78.40%81.11%83.19%85.54%78.46%+6 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps