San Francisco, CA · Charter 12451
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
San Francisco, CA · Charter 12451
Q4 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.39% | 2.55% | 2.63% | 2.49% | 0.84% | -256 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 6.57% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 71.74% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 1.29% | -18.53% | -9.47% | -17.17% | -19.67% | -2,096 bps | |
| Loan Growth (YoY) | -4.19% | -0.70% | -12.41% | -24.71% | -34.43% | -3,024 bps | |
| Share Growth (YoY) | 5.11% | -21.79% | -13.21% | -21.03% | -22.72% | -2,783 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 2.24% | 1.28% | 1.26% | 1.62% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.92% | 3.00% | 3.56% | 5.17% | 5.81% | +288 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.90% | 53.40% | 59.07% | 49.41% | 54.21% | -969 bps | |
| Liquid Assets / Assets | 10.55% | 24.27% | 19.51% | 34.23% | 15.74% | +519 bps | |