PackageTrendsPeer
Letter portraitLegal landscape

Daijo

Los Angeles, CA · Charter 6135

NCUA · 1 branch

Q2 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: Q2 2017, the quarter ended June 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

Daijo

Los Angeles, CA · Charter 6135

NCUA · 1 branch

Q2 2017

$1.6MAssets
$264KLoans
$1.3MShares
$280KNet 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 0.19%, down 145 bps year over year; NIM at 1.09%.
  • Asset quality: problem loans at 4.46% of loans (+217 bps YoY).
  • Capital: net worth / assets of 17.97%, up 297 bps from a year ago.
  • Funding: loans stand at 20.70% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.19%-145 bps YoY

Net Interest Margin (YTD, annualized)

1.09%-52 bps YoY

Efficiency Ratio (YTD, annualized)

254%+11,780 bps YoY

Net Worth / Assets

17.97%+297 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.63%1.45%0.07%0.05%0.19%-145 bps
Return on Equity10.89%9.49%0.44%0.31%1.04%-986 bps
Net Interest Margin1.60%1.51%0.61%1.20%1.09%-52 bps
Efficiency Ratio135.96%145.25%382%235%254%+11,780 bps
Growth
Asset Growth (YoY)-5.03%-4.44%-14.40%-19.40%-20.33%-1,530 bps
Loan Growth (YoY)-34.28%-35.59%-41.83%-43.03%-47.00%-1,272 bps
Share Growth (YoY)-6.66%-6.29%-16.77%-22.19%-23.12%-1,646 bps
Asset Quality
Delinquent Loans / Loans2.29%4.96%3.52%4.05%4.46%+217 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans14.07%13.82%10.59%10.97%9.90%-418 bps
Capital
Risk-Based Capital15.00%15.22%16.15%17.54%17.97%+297 bps
Net Worth / Assets15.00%15.22%16.15%17.54%17.97%+297 bps
Liquidity & Funding
Loans / Shares30.03%26.56%24.22%23.23%20.70%-933 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps