PackageTrendsPeer
Letter portraitLegal landscape

Sacramento County Grange

Sacramento, CA · Charter 1557

Q1 2009

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: Q1 2009, the quarter ended March 31, 2009, 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

Sacramento County Grange

Sacramento, CA · Charter 1557

Q1 2009

$2.2MAssets
$1.6MLoans
$2.0MShares
$194KNet 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 -6.21%, down 593 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 5.24% of loans (+349 bps YoY).
  • Capital: net worth / assets of 8.82%, down 203 bps from a year ago.
  • Funding: loans stand at 78.29% of shares as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-6.21%-593 bps YoY

Net Interest Margin (YTD, annualized)

4.87%+10 bps YoY

Efficiency Ratio (YTD, annualized)

219%+11,342 bps YoY

Net Worth / Assets

8.82%-203 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets-0.28%-0.62%-0.77%-1.67%-6.21%-593 bps
Return on Equity-2.58%-5.86%-6.24%-13.77%-70.46%-6,787 bps
Net Interest Margin4.78%4.56%5.36%5.61%4.87%+10 bps
Efficiency Ratio105.29%112.36%113.11%120.10%219%+11,342 bps
Growth
Asset Growth (YoY)-26.97%-14.10%-25.88%-24.85%-24.09%+288 bps
Loan Growth (YoY)-18.38%-19.65%-22.67%-21.85%-22.26%-387 bps
Share Growth (YoY)-27.32%-12.57%-26.38%-26.04%-24.04%+328 bps
Asset Quality
Delinquent Loans / Loans1.75%1.57%1.57%0.27%5.24%+349 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.13%1.17%1.24%1.92%0.25%-89 bps
Capital
Risk-Based Capital10.85%10.51%12.27%12.11%8.82%-203 bps
Net Worth / Assets10.85%10.51%12.27%12.11%8.82%-203 bps
Liquidity & Funding
Loans / Shares76.49%69.80%80.06%80.40%78.29%+180 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps