PackageTrendsPeer
Letter portraitLegal landscape

United Financial

Whittier, CA · Charter 64382

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

United Financial

Whittier, CA · Charter 64382

NCUA · 1 branch

Q3 2016

$37.3MAssets
$21.8MLoans
$31.6MShares
$5.5MNet 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 -1.17%, down 213 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.02% of loans (-244 bps YoY).
  • Capital: net worth / assets of 14.73%, down 149 bps from a year ago.
  • Funding: loans stand at 69.01% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-1.17%-213 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+8 bps YoY

Efficiency Ratio (YTD, annualized)

127.62%+5,184 bps YoY

Net Worth / Assets

14.73%-149 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.96%0.26%-5.47%-2.23%-1.17%-213 bps
Return on Equity5.93%1.61%-39.04%-15.32%-7.92%-1,385 bps
Net Interest Margin3.07%3.10%3.33%3.20%3.15%+8 bps
Efficiency Ratio75.79%80.43%n/a184.88%127.62%+5,184 bps
Growth
Asset Growth (YoY)0.37%-0.53%4.50%1.50%0.95%+59 bps
Loan Growth (YoY)6.85%7.28%1.96%7.24%3.80%-305 bps
Share Growth (YoY)-0.21%-0.97%6.32%2.58%2.34%+254 bps
Asset Quality
Delinquent Loans / Loans2.46%3.48%0.00%0.08%0.02%-244 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.33%3.10%3.76%3.50%3.48%+114 bps
Capital
Risk-Based Capital16.22%15.88%14.02%14.54%14.73%-149 bps
Net Worth / Assets16.22%15.88%14.02%14.54%14.73%-149 bps
Liquidity & Funding
Loans / Shares68.04%68.52%63.73%69.76%69.01%+98 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps