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Safeway Los Angeles Employees

Norwalk, CA · Charter 7079

Q4 2012

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 2012, the quarter ended December 31, 2012, 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

Safeway Los Angeles Employees

Norwalk, CA · Charter 7079

Q4 2012

$53.5MAssets
$17.6MLoans
$46.7MShares
$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 -1.37%, up 60 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 0.51% of loans (-80 bps YoY).
  • Capital: net worth / assets of 11.57%, down 115 bps from a year ago.
  • Funding: loans stand at 37.76% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-1.37%+60 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-44 bps YoY

Efficiency Ratio (YTD, annualized)

158.66%+3,028 bps YoY

Net Worth / Assets

11.57%-115 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-1.97%-0.38%-0.93%-0.49%-1.37%+60 bps
Return on Equity-15.50%-3.09%-7.79%-4.06%-11.85%+365 bps
Net Interest Margin3.26%2.78%2.79%2.78%2.82%-44 bps
Efficiency Ratio128.38%140.63%140.47%139.95%158.66%+3,028 bps
Growth
Asset Growth (YoY)-10.01%-5.40%-4.78%-2.71%-1.75%+826 bps
Loan Growth (YoY)-26.43%-15.15%-11.68%-8.61%-6.41%+2,002 bps
Share Growth (YoY)-8.52%-4.25%-3.19%-2.00%-0.98%+755 bps
Asset Quality
Delinquent Loans / Loans1.31%0.39%0.40%0.67%0.51%-80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.62%3.70%3.60%2.25%1.96%-266 bps
Capital
Risk-Based Capital12.71%12.34%11.96%12.15%11.57%-115 bps
Net Worth / Assets12.71%12.34%11.96%12.15%11.57%-115 bps
Liquidity & Funding
Loans / Shares39.95%38.21%38.28%37.44%37.76%-219 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps