PackageTrendsPeer
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McKesson Employees

San Francisco, CA · Charter 2633

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

McKesson Employees

San Francisco, CA · Charter 2633

NCUA · 1 branch

Q3 2021

$29.6MAssets
$17.5MLoans
$27.6MShares
$1.9MNet 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 -1.85%, down 138 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.07% of loans (-166 bps YoY).
  • Capital: net worth / assets of 6.28%, down 169 bps from a year ago.
  • Funding: loans stand at 63.44% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-1.85%-138 bps YoY

Net Interest Margin (YTD, annualized)

3.19%-25 bps YoY

Efficiency Ratio (YTD, annualized)

93.48%-1,235 bps YoY

Net Worth / Assets

6.28%-169 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-0.47%-0.32%0.23%0.20%-1.85%-138 bps
Return on Equity-5.91%-3.95%3.01%2.52%-29.42%-2,352 bps
Net Interest Margin3.44%3.45%3.30%3.25%3.19%-25 bps
Efficiency Ratio105.84%103.00%91.90%92.84%93.48%-1,235 bps
Growth
Asset Growth (YoY)11.47%14.25%11.69%3.63%4.44%-704 bps
Loan Growth (YoY)4.33%-6.53%-7.00%-3.06%-11.31%-1,564 bps
Share Growth (YoY)13.43%16.57%13.11%4.03%6.49%-694 bps
Asset Quality
Delinquent Loans / Loans1.74%1.32%0.49%0.04%0.07%-166 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.57%0.66%0.37%0.00%-73 bps
Capital
Risk-Based Capital7.97%8.00%7.77%7.83%6.28%-169 bps
Net Worth / Assets7.97%8.00%7.77%7.83%6.28%-169 bps
Liquidity & Funding
Loans / Shares76.17%72.28%67.35%67.09%63.44%-1,273 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps