PackageTrendsPeer
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Amalgamated Lithographers

Los Angeles, CA · Charter 65668

Q3 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: Q3 2005, the quarter ended September 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

Amalgamated Lithographers

Los Angeles, CA · Charter 65668

Q3 2005

$1.4MAssets
$552KLoans
$1.2MShares
$131KNet 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 -1.34%, down 177 bps year over year; NIM at 6.55%.
  • Asset quality: problem loans at 15.77% of loans (-523 bps YoY).
  • Capital: net worth / assets of 9.59%, down 120 bps from a year ago.
  • Funding: loans stand at 44.61% of shares as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

-1.34%-177 bps YoY

Net Interest Margin (YTD, annualized)

6.55%+236 bps YoY

Efficiency Ratio (YTD, annualized)

120.43%+3,077 bps YoY

Net Worth / Assets

9.59%-120 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.43%0.62%-6.13%-2.97%-1.34%-177 bps
Return on Equity4.03%5.10%-56.24%-32.15%-13.96%-1,799 bps
Net Interest Margin4.19%4.65%9.28%7.06%6.55%+236 bps
Efficiency Ratio89.67%86.62%166.11%142.05%120.43%+3,077 bps
Growth
Asset Growth (YoY)-9.91%-19.67%-14.94%-12.29%-9.37%+54 bps
Loan Growth (YoY)-9.85%-13.10%-23.48%-6.39%-0.67%+917 bps
Share Growth (YoY)-10.41%-21.13%-13.85%-11.10%-7.82%+259 bps
Asset Quality
Delinquent Loans / Loans21.00%23.69%24.86%15.06%15.77%-523 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.69%8.74%12.05%7.40%7.40%-30 bps
Capital
Risk-Based Capital10.79%12.19%10.90%9.24%9.59%-120 bps
Net Worth / Assets10.79%12.19%10.90%9.24%9.59%-120 bps
Liquidity & Funding
Loans / Shares41.40%44.85%40.94%45.13%44.61%+321 bps
Liquid Assets / Assets63.99%55.43%56.11%60.39%55.40%-859 bps