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U. F. C. W. Local 770

Hollywood, CA · Charter 64409

Q2 2005

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 2005, the quarter ended June 30, 2005, 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

U. F. C. W. Local 770

Hollywood, CA · Charter 64409

Q2 2005

$3.3MAssets
$765KLoans
$2.7MShares
$531KNet 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 -1.05%, down 181 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 8.70% of loans (+448 bps YoY).
  • Capital: net worth / assets of 16.22%, up 288 bps from a year ago.
  • Funding: loans stand at 27.92% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-1.05%-181 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-25 bps YoY

Efficiency Ratio (YTD, annualized)

81.34%+953 bps YoY

Net Worth / Assets

16.22%+288 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.76%0.60%0.78%-1.07%-1.05%-181 bps
Return on Equity5.71%4.27%5.12%-6.35%-6.48%-1,219 bps
Net Interest Margin2.81%2.82%3.11%3.03%2.56%-25 bps
Efficiency Ratio71.81%77.44%74.20%70.58%81.34%+953 bps
Growth
Asset Growth (YoY)-3.65%-9.04%-14.86%-21.83%-18.60%-1,495 bps
Loan Growth (YoY)2.16%-2.68%-12.09%-19.77%-21.67%-2,383 bps
Share Growth (YoY)-4.85%-10.95%-17.68%-25.33%-21.31%-1,645 bps
Asset Quality
Delinquent Loans / Loans4.22%4.76%5.04%4.98%8.70%+448 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.34%1.32%0.98%0.81%1.24%-10 bps
Capital
Risk-Based Capital13.34%13.96%15.21%16.84%16.22%+288 bps
Net Worth / Assets13.34%13.96%15.21%16.84%16.22%+288 bps
Liquidity & Funding
Loans / Shares28.05%28.07%28.72%30.12%27.92%-13 bps
Liquid Assets / Assets36.57%49.26%47.08%35.82%50.67%+1,410 bps