PackageTrendsPeer
Letter portraitLegal landscape

Sacramento District

Sacramento, CA · Charter 21871

Q4 1999

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: 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.

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 District

Sacramento, CA · Charter 21871

Q4 1999

$5.8MAssets
$3.3MLoans
$4.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.66%, down 200 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 5.11% of loans (-3 bps YoY).
  • Funding: loans stand at 67.62% of shares as of Q4 1999.

Return on Assets (YTD, annualized)

2.66%-200 bps YoY

Net Interest Margin (YTD, annualized)

3.47%
n/a

Efficiency Ratio (YTD, annualized)

52.98%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.14%4.63%4.13%4.66%3.76%3.84%1.41%2.66%-200 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.47%n/an/a
Efficiency Ration/an/an/an/an/an/an/a52.98%n/an/a
Growth
Asset Growth (YoY)-7.14%-5.33%20.90%0.08%-5.03%3.56%6.13%16.53%+1,646 bps
Loan Growth (YoY)-12.33%-8.02%-15.35%-9.97%-1.34%1.64%7.47%4.03%+1,400 bps
Share Growth (YoY)-8.53%-7.15%22.46%-1.79%-7.07%3.19%3.00%12.39%+1,418 bps
Asset Quality
Delinquent Loans / Loans5.16%5.07%4.16%5.14%3.79%5.55%4.11%5.11%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.98%0.74%0.97%0.68%0.01%0.13%1.34%1.43%+74 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares66.30%71.34%63.97%73.05%70.38%70.27%66.75%67.62%-543 bps
Liquid Assets / Assets32.14%27.07%28.60%17.94%23.20%20.10%15.66%24.36%+642 bps