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Printing Office Employees

Covina, CA · Charter 61487

NCUA · 1 branch

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Printing Office Employees

Covina, CA · Charter 61487

NCUA · 1 branch

Q3 2016

$4.0MAssets
$637KLoans
$3.3MShares
$680KNet 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 -2.60%, down 112 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.00% of loans (-60 bps YoY).
  • Capital: net worth / assets of 17.08%, down 105 bps from a year ago.
  • Funding: loans stand at 19.37% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.60%-112 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+2 bps YoY

Efficiency Ratio (YTD, annualized)

137.62%-921 bps YoY

Net Worth / Assets

17.08%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-1.48%-1.44%-1.17%-1.68%-2.60%-112 bps
Return on Equity-8.15%-7.90%-6.68%-9.43%-15.24%-708 bps
Net Interest Margin3.08%3.09%2.76%2.84%3.10%+2 bps
Efficiency Ratio146.84%144.59%142.76%146.89%137.62%-921 bps
Growth
Asset Growth (YoY)-5.98%-6.60%-1.46%-2.58%-5.15%+83 bps
Loan Growth (YoY)-7.64%-11.17%-19.62%-18.71%-23.19%-1,555 bps
Share Growth (YoY)-5.49%-6.65%-0.15%-1.73%-3.82%+167 bps
Asset Quality
Delinquent Loans / Loans0.60%0.46%0.61%3.12%0.00%-60 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.52%2.45%2.65%3.24%5.71%+219 bps
Capital
Risk-Based Capital18.13%18.25%17.59%17.77%17.08%-105 bps
Net Worth / Assets18.13%18.25%17.59%17.77%17.08%-105 bps
Liquidity & Funding
Loans / Shares24.26%22.87%19.82%20.34%19.37%-489 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps