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California Bear

Los Angeles, CA · Charter 68507

NCUA · 2 branches

Q3 2022

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 2022, the quarter ended September 30, 2022, 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

California Bear

Los Angeles, CA · Charter 68507

NCUA · 2 branches

Q3 2022

$132.3MAssets
$84.5MLoans
$126.8MShares
$6.2MNet 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 -0.67%, down 81 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.09% of loans (-13 bps YoY).
  • Capital: net worth / assets of 4.68%, down 58 bps from a year ago.
  • Funding: loans stand at 66.64% of shares as of Q3 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.67%-81 bps YoY

Net Interest Margin (YTD, annualized)

2.52%-1 bps YoY

Efficiency Ratio (YTD, annualized)

118.92%+2,365 bps YoY

Net Worth / Assets

4.68%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022YoY ΔTrend
Earnings
Return on Assets0.14%0.09%-0.27%-0.22%-0.67%-81 bps
Return on Equity2.73%1.78%-5.37%-4.25%-14.30%-1,703 bps
Net Interest Margin2.53%2.47%2.42%2.54%2.52%-1 bps
Efficiency Ratio95.27%96.76%109.18%105.47%118.92%+2,365 bps
Growth
Asset Growth (YoY)6.78%7.87%6.49%2.69%1.14%-564 bps
Loan Growth (YoY)-5.51%-4.36%-1.63%-1.51%0.10%+561 bps
Share Growth (YoY)7.19%8.41%7.29%3.27%3.47%-372 bps
Asset Quality
Delinquent Loans / Loans0.22%0.82%0.22%0.25%0.09%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.32%0.32%0.30%0.25%0.26%-6 bps
Capital
Risk-Based Capital5.25%5.18%5.01%5.07%4.68%-58 bps
Net Worth / Assets5.25%5.18%5.01%5.07%4.68%-58 bps
Liquidity & Funding
Loans / Shares68.88%67.41%65.53%69.17%66.64%-224 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps