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St. Johns Methodist

Los Angeles, CA · Charter 7585

Q2 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: Q2 2005, the quarter ended June 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

St. Johns Methodist

Los Angeles, CA · Charter 7585

Q2 2005

$156KAssets
$80KLoans
$133KShares
$22KNet 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 -2.27%, down 54 bps year over year; NIM at 0.79%.
  • Asset quality: problem loans at 19.01% of loans (+1,639 bps YoY).
  • Capital: net worth / assets of 13.94%, down 31 bps from a year ago.
  • Funding: loans stand at 59.59% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

-2.27%-54 bps YoY

Net Interest Margin (YTD, annualized)

0.79%-179 bps YoY

Efficiency Ratio (YTD, annualized)

367%+20,491 bps YoY

Net Worth / Assets

13.94%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-1.73%-2.12%-2.36%-4.54%-2.27%-54 bps
Return on Equity-12.17%-16.01%-15.66%-32.55%-16.28%-411 bps
Net Interest Margin2.58%2.75%3.28%1.59%0.79%-179 bps
Efficiency Ratio161.96%171.99%167.53%367%367%+20,491 bps
Growth
Asset Growth (YoY)7.12%8.44%-8.26%-11.87%-13.31%-2,043 bps
Loan Growth (YoY)57.78%66.11%11.63%-19.12%-15.57%-7,334 bps
Share Growth (YoY)6.12%8.41%-7.84%-11.30%-13.12%-1,924 bps
Asset Quality
Delinquent Loans / Loans2.62%14.53%9.79%19.01%19.01%+1,639 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.24%4.96%5.18%5.74%5.74%+150 bps
Capital
Risk-Based Capital14.25%13.23%15.09%13.94%13.94%-31 bps
Net Worth / Assets14.25%13.23%15.09%13.94%13.94%-31 bps
Liquidity & Funding
Loans / Shares61.31%56.07%65.25%59.59%59.59%-172 bps
Liquid Assets / Assets44.60%48.85%42.14%46.41%46.41%+180 bps