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I.L.W.U.

Wilmington, CA · Charter 64546

NCUA · 4 branches

Q2 2019

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 2019, the quarter ended June 30, 2019, 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

I.L.W.U.

Wilmington, CA · Charter 64546

NCUA · 4 branches

Q2 2019

$286.1MAssets
$202.3MLoans
$249.8MShares
$32.7MNet 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 1.10%, down 20 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.38% of loans (-108 bps YoY).
  • Capital: net worth / assets of 11.45%, down 7 bps from a year ago.
  • Funding: loans stand at 80.99% of shares as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

1.10%-20 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-9 bps YoY

Efficiency Ratio (YTD, annualized)

76.63%+515 bps YoY

Net Worth / Assets

11.45%-7 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets1.30%1.20%1.20%1.12%1.10%-20 bps
Return on Equity11.32%10.39%10.20%10.04%9.64%-168 bps
Net Interest Margin3.66%3.68%3.61%3.55%3.57%-9 bps
Efficiency Ratio71.48%74.94%74.82%76.76%76.63%+515 bps
Growth
Asset Growth (YoY)3.83%5.48%6.74%9.28%11.08%+725 bps
Loan Growth (YoY)14.15%15.16%18.82%18.23%19.14%+498 bps
Share Growth (YoY)3.28%4.66%6.86%9.18%10.32%+703 bps
Asset Quality
Delinquent Loans / Loans1.46%0.43%0.53%0.38%0.38%-108 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.61%0.56%0.53%0.50%0.45%-115 bps
Capital
Risk-Based Capital11.52%11.56%11.71%11.15%11.45%-7 bps
Net Worth / Assets11.52%11.56%11.71%11.15%11.45%-7 bps
Liquidity & Funding
Loans / Shares74.99%77.64%80.82%76.00%80.99%+600 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps