PackageTrendsPeer
Letter portraitLegal landscape

Oroweat Employees

Montebello, CA · Charter 65674

NCUA · 1 branch

Q4 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: Q4 2016, the quarter ended December 31, 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

Oroweat Employees

Montebello, CA · Charter 65674

NCUA · 1 branch

Q4 2016

$6.8MAssets
$1.6MLoans
$6.2MShares
$556KNet 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 0.10%, up 7 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 0.71% of loans (-17 bps YoY).
  • Capital: net worth / assets of 8.20%, down 17 bps from a year ago.
  • Funding: loans stand at 26.06% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

0.10%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-49 bps YoY

Efficiency Ratio (YTD, annualized)

97.95%-508 bps YoY

Net Worth / Assets

8.20%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.04%0.33%-0.25%-0.26%0.10%+7 bps
Return on Equity0.46%4.01%-3.25%-3.54%1.28%+82 bps
Net Interest Margin2.65%2.54%2.28%2.17%2.15%-49 bps
Efficiency Ratio103.03%88.56%88.52%96.22%97.95%-508 bps
Growth
Asset Growth (YoY)1.76%0.71%1.15%4.22%3.39%+163 bps
Loan Growth (YoY)-16.40%-14.19%-13.58%-12.77%-4.99%+1,141 bps
Share Growth (YoY)1.83%0.68%1.36%4.91%3.65%+182 bps
Asset Quality
Delinquent Loans / Loans0.88%0.25%0.73%0.63%0.71%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.15%1.69%2.87%2.96%1.50%-66 bps
Capital
Risk-Based Capital8.37%8.15%7.67%7.47%8.20%-17 bps
Net Worth / Assets8.37%8.15%7.67%7.47%8.20%-17 bps
Liquidity & Funding
Loans / Shares28.42%26.34%25.23%24.02%26.06%-237 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps