PackageTrendsPeer
Letter portraitLegal landscape

San Gabriel Valley Postal

Covina, CA · Charter 64309

NCUA

Q1 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: Q1 2016, the quarter ended March 31, 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

San Gabriel Valley Postal

Covina, CA · Charter 64309

NCUA

Q1 2016

$20.3MAssets
$7.9MLoans
$18.5MShares
$1.8MNet 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 -17.57%, down 1,874 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 5.76% of loans (+386 bps YoY).
  • Capital: net worth / assets of 8.75%, down 392 bps from a year ago.
  • Funding: loans stand at 43.06% of shares as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-17.57%-1,874 bps YoY

Net Interest Margin (YTD, annualized)

4.50%-71 bps YoY

Efficiency Ratio (YTD, annualized)

116.07%+4,733 bps YoY

Net Worth / Assets

8.75%-392 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets1.17%1.25%1.14%0.83%-17.57%-1,874 bps
Return on Equity9.27%9.50%8.63%6.68%-201%-20,996 bps
Net Interest Margin5.20%5.16%5.11%4.71%4.50%-71 bps
Efficiency Ratio68.74%63.04%61.28%62.64%116.07%+4,733 bps
Growth
Asset Growth (YoY)7.06%4.91%3.38%7.83%0.89%-617 bps
Loan Growth (YoY)-10.58%-13.41%-15.45%-17.98%-21.79%-1,121 bps
Share Growth (YoY)6.38%4.19%2.62%7.97%5.44%-94 bps
Asset Quality
Delinquent Loans / Loans1.90%2.13%4.85%4.59%5.76%+386 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.80%2.04%2.32%2.98%11.20%+939 bps
Capital
Risk-Based Capital12.67%13.14%13.26%12.39%8.75%-392 bps
Net Worth / Assets12.67%13.14%13.26%12.39%8.75%-392 bps
Liquidity & Funding
Loans / Shares58.05%56.59%54.35%46.85%43.06%-1,499 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps