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El Futuro

Porterville, CA · Charter 64137

Q4 2009

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 2009, the quarter ended December 31, 2009, 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

El Futuro

Porterville, CA · Charter 64137

Q4 2009

$6.9MAssets
$3.5MLoans
$6.6MShares
$131KNet 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 -9.32%, down 940 bps year over year; NIM at 5.70%.
  • Asset quality: problem loans at 8.75% of loans (-147 bps YoY).
  • Capital: net worth / assets of 1.90%, down 876 bps from a year ago.
  • Funding: loans stand at 52.98% of shares as of Q4 2009.

Financial Results

Return on Assets (YTD, annualized)

-9.32%-940 bps YoY

Net Interest Margin (YTD, annualized)

5.70%-112 bps YoY

Efficiency Ratio (YTD, annualized)

121.69%+4,122 bps YoY

Net Worth / Assets

1.90%-876 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2008Q1 2009Q2 2009Q3 2009Q4 2009YoY ΔTrend
Earnings
Return on Assets0.08%-10.29%-6.14%-11.59%-9.32%-940 bps
Return on Equity0.74%-134.19%-85.41%-535%-491%-49,186 bps
Net Interest Margin6.82%5.64%5.52%5.66%5.70%-112 bps
Efficiency Ratio80.47%391%127.12%120.11%121.69%+4,122 bps
Growth
Asset Growth (YoY)-3.58%-7.66%-12.42%-11.94%-10.31%-674 bps
Loan Growth (YoY)-21.51%-22.64%-22.52%-26.35%-28.88%-737 bps
Share Growth (YoY)-6.80%-7.68%-11.91%-3.69%-0.85%+595 bps
Asset Quality
Delinquent Loans / Loans10.22%10.44%12.15%8.57%8.75%-147 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.55%2.21%2.92%7.90%6.26%+471 bps
Capital
Risk-Based Capital10.66%7.67%7.19%2.17%1.90%-876 bps
Net Worth / Assets10.66%7.67%7.19%2.17%1.90%-876 bps
Liquidity & Funding
Loans / Shares73.86%67.75%64.02%56.54%52.98%-2,088 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps