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Compton Municipal Employees

Compton, CA · Charter 4475

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

Compton Municipal Employees

Compton, CA · Charter 4475

Q3 2015

$704KAssets
$377KLoans
$670KShares
$33KNet 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 -8.61%, down 896 bps year over year; NIM at 7.49%.
  • Asset quality: problem loans at 15.78% of loans (+839 bps YoY).
  • Capital: net worth / assets of 4.73%, down 1,788 bps from a year ago.
  • Funding: loans stand at 56.36% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-8.61%-896 bps YoY

Net Interest Margin (YTD, annualized)

7.49%-23 bps YoY

Efficiency Ratio (YTD, annualized)

199.22%+10,318 bps YoY

Net Worth / Assets

4.73%-1,788 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.35%-17.64%-1.53%-4.95%-8.61%-896 bps
Return on Equity1.54%-165.80%-14.35%-54.27%-182.31%-18,385 bps
Net Interest Margin7.72%10.48%7.03%7.71%7.49%-23 bps
Efficiency Ratio96.04%317%115.74%153.27%199.22%+10,318 bps
Growth
Asset Growth (YoY)-10.17%-20.72%-22.22%-26.17%-23.85%-1,368 bps
Loan Growth (YoY)-19.81%-34.29%-40.31%-36.82%-40.26%-2,045 bps
Share Growth (YoY)-16.01%-11.35%1.29%-6.03%1.21%+1,722 bps
Asset Quality
Delinquent Loans / Loans7.39%12.56%16.25%16.95%15.78%+839 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.37%15.65%16.27%13.58%15.31%+1,294 bps
Capital
Risk-Based Capital22.61%10.64%10.70%9.12%4.73%-1,788 bps
Net Worth / Assets22.61%10.64%10.70%9.12%4.73%-1,788 bps
Liquidity & Funding
Loans / Shares95.48%90.89%70.32%68.38%56.36%-3,912 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps