San Francisco, CA · Charter 2633
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
San Francisco, CA · Charter 2633
NCUA · 1 branch
Q3 2021
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | -0.49% | -0.57% | -0.47% | -0.32% | 0.23% | 0.20% | -1.85% | -138 bps | |
| Return on Equity | 0.35% | -5.53% | -7.14% | -5.91% | -3.95% | 3.01% | 2.52% | -29.42% | -2,352 bps | |
| Net Interest Margin | 4.34% | 3.90% | 3.52% | 3.44% | 3.45% | 3.30% | 3.25% | 3.19% | -25 bps | |
| Efficiency Ratio | 91.56% | 100.16% | 102.17% | 105.84% | 103.00% | 91.90% | 92.84% | 93.48% | -1,235 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.79% | -1.01% | 8.17% | 11.47% | 14.25% | 11.69% | 3.63% | 4.44% | -704 bps | |
| Loan Growth (YoY) | -1.88% | -2.71% | -7.71% | 4.33% | -6.53% | -7.00% | -3.06% | -11.31% | -1,564 bps | |
| Share Growth (YoY) | -4.20% | -1.11% | 9.45% | 13.43% | 16.57% | 13.11% | 4.03% | 6.49% | -694 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.29% | 0.48% | 0.32% | 1.74% | 1.32% | 0.49% | 0.04% | 0.07% | -166 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 0.74% | 0.89% | 0.73% | 0.57% | 0.66% | 0.37% | 0.00% | -73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.50% | 8.83% | 8.04% | 7.97% | 8.00% | 7.77% | 7.83% | 6.28% | -169 bps | |
| Net Worth / Assets | 9.50% | 8.83% | 8.04% | 7.97% | 8.00% | 7.77% | 7.83% | 6.28% | -169 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.14% | 81.91% | 71.99% | 76.17% | 72.28% | 67.35% | 67.09% | 63.44% | -1,273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |