PackageTrendsPeer
Letter portraitLegal landscape

Raychem Employees

Redwood City, CA · Charter 20699

NCUA

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

Raychem Employees

Redwood City, CA · Charter 20699

NCUA

Q1 2016

$102.7MAssets
$51.9MLoans
$93.4MShares
$8.9MNet Worth

Executive Summary

  • Earnings: ROA of -0.25%, down 44 bps year over year; NIM at 2.44%.
  • Asset quality: problem loans at 0.34% of loans (-1 bps YoY).
  • Capital: net worth / assets of 8.65%, down 25 bps from a year ago.
  • Funding: loans stand at 55.57% of shares as of Q1 2016.

Return on Assets (YTD, annualized)

-0.25%-44 bps YoY

Net Interest Margin (YTD, annualized)

2.44%-9 bps YoY

Efficiency Ratio (YTD, annualized)

113.50%+2,346 bps YoY

Net Worth / Assets

8.65%-25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.49%0.44%0.37%0.20%0.33%0.25%0.19%-0.25%-44 bps
Return on Equity5.65%4.78%4.05%2.22%3.62%2.72%2.18%-2.86%-508 bps
Net Interest Margin2.47%2.56%2.56%2.52%2.59%2.55%2.41%2.44%-9 bps
Efficiency Ratio90.12%87.98%88.77%90.04%87.89%88.91%90.33%113.50%+2,346 bps
Growth
Asset Growth (YoY)-1.75%-3.29%-4.52%-1.09%-1.40%1.70%6.56%3.82%+491 bps
Loan Growth (YoY)7.61%9.70%12.90%9.85%5.52%7.29%9.34%10.59%+74 bps
Share Growth (YoY)-2.84%-4.06%-5.48%-1.58%-1.26%1.57%4.74%3.89%+547 bps
Asset Quality
Delinquent Loans / Loans0.97%0.54%0.55%0.36%0.29%0.44%0.41%0.34%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.73%0.82%0.78%0.73%0.70%0.75%0.68%0.58%-15 bps
Capital
Risk-Based Capital8.75%9.10%9.12%8.89%9.15%9.18%8.75%8.65%-25 bps
Net Worth / Assets8.75%9.10%9.12%8.89%9.15%9.18%8.75%8.65%-25 bps
Liquidity & Funding
Loans / Shares51.56%54.15%54.75%52.21%55.10%57.21%57.15%55.57%+337 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps