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Monrovia City Employees

Monrovia, CA · Charter 9900

NCUA · 3 branches

Q2 2023

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 2023, the quarter ended June 30, 2023, 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

Monrovia City Employees

Monrovia, CA · Charter 9900

NCUA · 3 branches

Q2 2023

$3.7MAssets
$1.3MLoans
$3.4MShares
$337KNet Worth

Executive Summary

  • Earnings: ROA of 0.07%, up 99 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 1.63% of loans (-54 bps YoY).
  • Capital: net worth / assets of 9.13%, down 285 bps from a year ago.
  • Funding: loans stand at 39.34% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

0.07%+99 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+106 bps YoY

Efficiency Ratio (YTD, annualized)

97.70%-2,725 bps YoY

Net Worth / Assets

9.13%-285 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets-0.34%-0.36%-0.87%-0.91%-5.28%-3.85%-0.36%0.07%+99 bps
Return on Equity-2.75%-2.94%-6.94%-7.64%-65.26%-46.99%-4.28%0.80%+844 bps
Net Interest Margin2.94%2.80%2.04%2.00%2.03%2.45%2.49%3.05%+106 bps
Efficiency Ratio107.50%109.47%141.00%124.95%n/an/a113.79%97.70%-2,725 bps
Growth
Asset Growth (YoY)5.47%3.84%-4.94%-2.46%1.38%1.25%2.26%-7.68%-523 bps
Loan Growth (YoY)-18.16%-34.95%-38.98%-36.54%-20.25%-7.34%-9.05%-7.07%+2,947 bps
Share Growth (YoY)7.91%4.99%-4.89%-1.85%5.04%5.95%7.30%-4.72%-287 bps
Asset Quality
Delinquent Loans / Loans5.32%1.88%1.16%2.17%0.00%1.73%0.00%1.63%-54 bps
Net Charge-Offs / Loans42.31%n/an/an/an/an/an/an/an/an/a
Allowance / Loans0.59%0.82%-0.03%-0.58%0.00%0.18%0.20%0.20%+77 bps
Capital
Risk-Based Capital12.42%12.29%12.55%11.97%8.09%8.20%8.34%9.13%-285 bps
Net Worth / Assets12.42%12.29%12.55%11.97%8.09%8.20%8.34%9.13%-285 bps
Liquidity & Funding
Loans / Shares49.09%43.98%42.78%40.34%37.27%38.47%36.26%39.34%-100 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps