PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sacramento District

Sacramento, CA · Charter 21871

Q4 1999

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

Financial Results

Return on Assets (quarter, annualized)

2.66%-200 bps YoY

Net Interest Margin (quarter, annualized)

3.47%

Efficiency Ratio (quarter, annualized)

52.98%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.66%3.76%3.84%1.41%2.66%-200 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.47%n/an/a
Efficiency Ration/an/an/an/a52.98%n/an/a
Growth
Asset Growth (YoY)0.08%-5.03%3.56%6.13%16.53%+1,646 bps
Loan Growth (YoY)-9.97%-1.34%1.64%7.47%4.03%+1,400 bps
Share Growth (YoY)-1.79%-7.07%3.19%3.00%12.39%+1,418 bps
Asset Quality
Delinquent Loans / Loans5.14%3.79%5.55%4.11%5.11%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.68%0.01%0.13%1.34%1.43%+74 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares73.05%70.38%70.27%66.75%67.62%-543 bps
Liquid Assets / Assets17.94%23.20%20.10%15.66%24.36%+642 bps