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Long Beach Schools

Long Beach, CA · Charter 579

Q3 2000

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 2000, the quarter ended September 30, 2000, 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

Long Beach Schools

Long Beach, CA · Charter 579

Q3 2000

$521.1MAssets
$278.2MLoans
$469.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.57%, down 82 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.90% of loans (+4 bps YoY).
  • Funding: loans stand at 59.31% of shares as of Q3 2000.

Return on Assets (YTD, annualized)

0.57%-82 bps YoY

Net Interest Margin (YTD, annualized)

3.43%-9 bps YoY

Efficiency Ratio (YTD, annualized)

74.03%+1,196 bps YoY

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets4.00%4.24%4.18%1.40%1.25%0.56%0.61%0.57%-82 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.52%3.55%3.48%3.42%3.43%-9 bps
Efficiency Ration/an/an/a62.07%63.92%72.56%72.64%74.03%+1,196 bps
Growth
Asset Growth (YoY)8.72%8.14%11.38%10.59%5.99%8.31%5.33%8.15%-244 bps
Loan Growth (YoY)14.13%15.04%12.02%11.09%8.38%5.91%6.82%7.62%-347 bps
Share Growth (YoY)9.16%8.34%11.65%9.51%4.93%6.97%4.39%8.04%-147 bps
Asset Quality
Delinquent Loans / Loans0.88%0.73%0.78%0.87%2.73%0.87%0.76%0.90%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.02%1.06%1.07%1.09%1.13%1.25%1.29%1.32%+23 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares57.65%56.18%54.44%59.54%59.55%55.62%55.70%59.31%-23 bps
Liquid Assets / Assets7.36%7.96%8.88%7.86%11.51%15.25%14.13%12.10%+424 bps