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Allied Trades

Stockton, CA · Charter 60356

NCUA · 1 branch

Q4 2017

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 2017, the quarter ended December 31, 2017, 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

Allied Trades

Stockton, CA · Charter 60356

NCUA · 1 branch

Q4 2017

$26.1MAssets
$6.4MLoans
$22.8MShares
$3.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.31%, down 20 bps year over year; NIM at 2.17%.
  • Asset quality: problem loans at 0.51% of loans (-37 bps YoY).
  • Capital: net worth / assets of 11.82%, down 72 bps from a year ago.
  • Funding: loans stand at 27.92% of shares as of Q4 2017.

Return on Assets (YTD, annualized)

0.31%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.17%-5 bps YoY

Efficiency Ratio (YTD, annualized)

86.91%-143 bps YoY

Net Worth / Assets

11.82%-72 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.34%0.55%0.61%0.51%0.32%0.43%0.35%0.31%-20 bps
Return on Equity2.78%4.46%5.02%4.03%2.58%3.45%2.93%2.61%-143 bps
Net Interest Margin2.15%2.13%2.15%2.22%2.27%2.23%2.15%2.17%-5 bps
Efficiency Ratio94.93%86.57%87.47%88.34%90.64%86.76%87.55%86.91%-143 bps
Growth
Asset Growth (YoY)3.28%1.11%4.92%1.50%1.01%3.12%6.08%8.97%+747 bps
Loan Growth (YoY)-5.39%29.16%31.07%24.24%25.34%13.29%7.41%4.25%-2,000 bps
Share Growth (YoY)3.72%1.17%5.33%0.74%0.54%3.29%6.07%11.12%+1,039 bps
Asset Quality
Delinquent Loans / Loans0.48%0.53%0.51%0.88%0.78%0.57%0.63%0.51%-37 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.09%0.84%0.46%0.50%0.48%0.35%0.51%0.64%+14 bps
Capital
Risk-Based Capital12.16%12.28%12.25%12.54%12.53%12.35%11.84%11.82%-72 bps
Net Worth / Assets12.16%12.28%12.25%12.54%12.53%12.35%11.84%11.82%-72 bps
Liquidity & Funding
Loans / Shares23.15%29.81%29.54%29.76%28.85%32.69%29.91%27.92%-184 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps