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Pacific Community

Fullerton, CA · Charter 60847

NCUA · 3 branches

Q3 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: Q3 2017, the quarter ended September 30, 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

Pacific Community

Fullerton, CA · Charter 60847

NCUA · 3 branches

Q3 2017

$182.5MAssets
$92.0MLoans
$150.3MShares
$29.1MNet 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 0.52%, down 15 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.31% of loans (-92 bps YoY).
  • Capital: net worth / assets of 15.93%, up 124 bps from a year ago.
  • Funding: loans stand at 61.18% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.52%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+14 bps YoY

Efficiency Ratio (YTD, annualized)

79.91%+274 bps YoY

Net Worth / Assets

15.93%+124 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.67%0.53%0.28%0.42%0.52%-15 bps
Return on Equity4.58%3.52%1.83%2.72%3.29%-129 bps
Net Interest Margin3.05%3.10%3.05%3.13%3.19%+14 bps
Efficiency Ratio77.17%77.03%82.75%80.70%79.91%+274 bps
Growth
Asset Growth (YoY)2.24%1.11%-0.69%-0.48%-5.35%-759 bps
Loan Growth (YoY)8.49%1.08%-0.46%-3.17%-6.61%-1,511 bps
Share Growth (YoY)0.78%0.23%-0.26%-1.15%-5.78%-656 bps
Asset Quality
Delinquent Loans / Loans1.23%1.04%0.30%0.22%0.31%-92 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.05%1.17%1.14%1.10%1.05%0 bps
Capital
Risk-Based Capital14.69%15.04%15.28%15.61%15.93%+124 bps
Net Worth / Assets14.69%15.04%15.28%15.61%15.93%+124 bps
Liquidity & Funding
Loans / Shares61.73%60.06%60.16%61.76%61.18%-55 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps