PackageTrendsPeer
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L. A. Texaco

Universal City, CA · Charter 883

Q4 2002

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 2002, the quarter ended December 31, 2002, 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

L. A. Texaco

Universal City, CA · Charter 883

Q4 2002

$2.1MAssets
$587KLoans
$1.4MShares
$639KNet 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 -0.28%, down 57 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.83% of loans (-43 bps YoY).
  • Capital: net worth / assets of 30.63%, up 409 bps from a year ago.
  • Funding: loans stand at 40.58% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

-0.28%-57 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-50 bps YoY

Efficiency Ratio (YTD, annualized)

110.51%+1,927 bps YoY

Net Worth / Assets

30.63%+409 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.28%0.04%0.27%0.25%-0.28%-57 bps
Return on Equity1.07%0.12%0.92%0.87%-0.92%-199 bps
Net Interest Margin3.18%3.32%2.81%2.70%2.68%-50 bps
Efficiency Ratio91.25%98.94%90.57%90.58%110.51%+1,927 bps
Growth
Asset Growth (YoY)-15.58%-23.76%-19.70%-7.61%-14.51%+107 bps
Loan Growth (YoY)-14.31%-23.43%-35.98%-37.51%-41.00%-2,669 bps
Share Growth (YoY)-21.13%-31.16%-26.13%-10.66%-19.26%+187 bps
Asset Quality
Delinquent Loans / Loans1.25%0.96%0.23%1.19%0.83%-43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.31%2.62%2.49%2.55%2.88%+57 bps
Capital
Risk-Based Capital26.54%29.29%28.90%29.35%30.63%+409 bps
Net Worth / Assets26.54%29.29%28.90%29.35%30.63%+409 bps
Liquidity & Funding
Loans / Shares55.53%56.38%44.65%44.47%40.58%-1,495 bps
Liquid Assets / Assets58.33%59.45%67.54%67.85%70.73%+1,239 bps