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Chabot

Dublin, CA · Charter 15335

NCUA · 1 branch

Q3 2021

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 2021, the quarter ended September 30, 2021, 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

Chabot

Dublin, CA · Charter 15335

NCUA · 1 branch

Q3 2021

$73.4MAssets
$23.2MLoans
$62.6MShares
$10.8MNet Worth

Executive Summary

  • Earnings: ROA of -0.10%, down 23 bps year over year; NIM at 1.65%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.75%, down 81 bps from a year ago.
  • Funding: loans stand at 37.03% of shares as of Q3 2021.

Return on Assets (YTD, annualized)

-0.10%-23 bps YoY

Net Interest Margin (YTD, annualized)

1.65%-48 bps YoY

Efficiency Ratio (YTD, annualized)

106.82%+1,252 bps YoY

Net Worth / Assets

14.75%-81 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.53%0.21%0.17%0.13%0.07%-0.15%-0.08%-0.10%-23 bps
Return on Equity3.28%1.30%1.04%0.81%0.44%-1.05%-0.58%-0.67%-149 bps
Net Interest Margin2.47%2.44%2.26%2.13%1.99%1.72%1.69%1.65%-48 bps
Efficiency Ratio79.48%91.53%92.94%94.30%96.85%110.15%106.35%106.82%+1,252 bps
Growth
Asset Growth (YoY)-3.33%-5.77%-1.64%2.88%9.42%12.19%8.67%4.81%+192 bps
Loan Growth (YoY)9.51%16.85%12.05%14.94%16.91%9.84%20.22%10.26%-468 bps
Share Growth (YoY)-5.26%-8.57%-2.03%1.64%10.58%15.52%11.00%6.43%+478 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.40%0.39%0.37%0.36%0.34%0.32%0.26%0.28%-8 bps
Capital
Risk-Based Capital16.21%16.56%16.00%15.57%14.88%14.73%14.67%14.75%-81 bps
Net Worth / Assets16.21%16.56%16.00%15.57%14.88%14.73%14.67%14.75%-81 bps
Liquidity & Funding
Loans / Shares33.54%35.75%35.78%35.75%35.46%33.99%38.75%37.03%+129 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps