PackageTrendsPeer
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State Farm North Coast

Rohnert Park, CA · Charter 1440

Q2 2001

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 2001, the quarter ended June 30, 2001, 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

State Farm North Coast

Rohnert Park, CA · Charter 1440

Q2 2001

$74.8MAssets
$26.8MLoans
$63.8MShares
$10.1MNet 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 0.69%, down 25 bps year over year; NIM at 0.91%.
  • Asset quality: problem loans at 0.12% of loans (+4 bps YoY).
  • Capital: net worth / assets of 13.48%.
  • Funding: loans stand at 41.99% of shares as of Q2 2001.

Financial Results

Return on Assets (YTD, annualized)

0.69%-25 bps YoY

Net Interest Margin (YTD, annualized)

0.91%-57 bps YoY

Efficiency Ratio (YTD, annualized)

23.95%+627 bps YoY

Net Worth / Assets

13.48%

Year to date, annualized, through each quarter.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.94%0.89%0.93%0.64%0.69%-25 bps
Return on Equityn/an/a6.42%4.64%5.13%n/a
Net Interest Margin1.48%1.43%1.40%0.86%0.91%-57 bps
Efficiency Ratio17.67%18.67%18.35%26.12%23.95%+627 bps
Growth
Asset Growth (YoY)1.74%-0.96%-1.26%5.29%11.49%+975 bps
Loan Growth (YoY)-2.46%1.59%0.92%0.88%0.95%+341 bps
Share Growth (YoY)2.03%-2.13%-2.69%5.01%12.35%+1,032 bps
Asset Quality
Delinquent Loans / Loans0.08%0.24%0.18%0.07%0.12%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.58%0.55%0.53%0.49%+7 bps
Capital
Risk-Based Capitaln/an/a14.46%13.74%13.48%n/a
Net Worth / Assetsn/an/a14.46%13.74%13.48%n/a
Liquidity & Funding
Loans / Shares46.73%46.91%46.52%43.26%41.99%-474 bps
Liquid Assets / Assets58.35%58.39%59.16%61.74%62.56%+422 bps