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Master Printers Section

Los Angeles, CA · Charter 64826

NCUA · 3 branches

Q1 2023

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 2023, the quarter ended March 31, 2023, 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

Master Printers Section

Los Angeles, CA · Charter 64826

NCUA · 3 branches

Q1 2023

$27.8MAssets
$21.5MLoans
$24.3MShares
$3.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.50%, down 31 bps year over year; NIM at 5.56%.
  • Asset quality: problem loans at 0.43% of loans (+2 bps YoY).
  • Capital: net worth / assets of 11.48%, up 218 bps from a year ago.
  • Funding: loans stand at 88.57% of shares as of Q1 2023.

Return on Assets (YTD, annualized)

0.50%-31 bps YoY

Net Interest Margin (YTD, annualized)

5.56%+151 bps YoY

Efficiency Ratio (YTD, annualized)

81.12%-309 bps YoY

Net Worth / Assets

11.48%+218 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023YoY ΔTrend
Earnings
Return on Assets0.42%0.43%0.55%0.81%0.89%0.84%0.98%0.50%-31 bps
Return on Equity4.80%4.86%6.14%8.65%9.00%8.31%9.10%4.33%-433 bps
Net Interest Margin3.88%3.98%3.95%4.04%4.20%4.36%4.62%5.56%+151 bps
Efficiency Ratio84.86%85.73%82.91%84.21%82.39%81.57%78.61%81.12%-309 bps
Growth
Asset Growth (YoY)12.72%12.84%10.28%2.94%-3.25%-3.71%-8.35%-11.54%-1,448 bps
Loan Growth (YoY)-1.12%3.57%2.90%1.89%-1.32%-1.97%0.09%2.38%+49 bps
Share Growth (YoY)14.67%13.10%10.33%1.88%-4.88%-4.94%-11.08%-12.48%-1,436 bps
Asset Quality
Delinquent Loans / Loans0.04%0.28%0.18%0.40%0.64%0.66%0.56%0.43%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.05%1.01%1.03%0.92%0.74%0.79%0.86%0.00%-92 bps
Capital
Risk-Based Capital8.78%8.94%8.96%9.30%9.88%10.16%10.76%11.48%+218 bps
Net Worth / Assets8.78%8.94%8.96%9.30%9.88%10.16%10.76%11.48%+218 bps
Liquidity & Funding
Loans / Shares75.20%76.95%74.81%75.71%78.02%79.36%84.21%88.57%+1,286 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps