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Fiscal

Glendale, CA · Charter 97080

NCUA · 3 branches

Q3 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: Q3 2016, the quarter ended September 30, 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

Fiscal

Glendale, CA · Charter 97080

NCUA · 3 branches

Q3 2016

$142.5MAssets
$53.2MLoans
$128.8MShares
$12.6MNet Worth

Executive Summary

  • Earnings: ROA of -0.08%, down 12 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.17% of loans (-3 bps YoY).
  • Capital: net worth / assets of 8.84%, down 26 bps from a year ago.
  • Funding: loans stand at 41.27% of shares as of Q3 2016.

Return on Assets (YTD, annualized)

-0.08%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.49%-18 bps YoY

Efficiency Ratio (YTD, annualized)

95.95%-54 bps YoY

Net Worth / Assets

8.84%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.12%-0.21%0.15%0.05%0.06%-0.29%-0.13%-0.08%-12 bps
Return on Equity-1.34%-2.27%1.68%0.51%0.62%-3.22%-1.48%-0.87%-138 bps
Net Interest Margin2.77%2.65%2.66%2.67%2.73%2.57%2.55%2.49%-18 bps
Efficiency Ratio103.08%109.12%95.91%96.49%95.73%101.41%96.62%95.95%-54 bps
Growth
Asset Growth (YoY)0.27%1.13%0.91%0.61%-0.12%2.08%1.30%2.30%+168 bps
Loan Growth (YoY)17.71%18.32%18.36%18.55%12.52%6.97%-1.05%-7.89%-2,643 bps
Share Growth (YoY)-0.75%-0.10%0.39%-0.08%0.85%3.32%1.99%3.36%+344 bps
Asset Quality
Delinquent Loans / Loans0.28%0.05%0.15%0.20%0.44%0.42%0.39%0.17%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.47%0.35%0.32%0.41%0.43%0.50%0.53%0.54%+12 bps
Capital
Risk-Based Capital9.19%9.03%9.13%9.09%9.26%8.88%8.91%8.84%-26 bps
Net Worth / Assets9.19%9.03%9.13%9.09%9.26%8.88%8.91%8.84%-26 bps
Liquidity & Funding
Loans / Shares42.60%42.88%44.41%46.30%47.53%44.39%43.09%41.27%-504 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps