PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

S.A.F.E.

North Highlands, CA · Charter 4014

Q2 1998

$570.6MAssets
$327.9MLoans
$485.9MShares
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 4.47%, up 23 bps year over year.
  • Asset quality: problem loans at 1.06% of loans (-46 bps YoY).
  • Funding: loans stand at 67.48% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

4.47%+23 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets4.24%4.30%4.29%4.49%4.47%+23 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)4.03%3.71%4.87%-4.55%5.80%+177 bps
Loan Growth (YoY)-1.17%0.65%2.71%4.50%6.21%+738 bps
Share Growth (YoY)4.38%3.54%4.47%-6.49%5.36%+98 bps
Asset Quality
Delinquent Loans / Loans1.52%1.33%1.51%1.29%1.06%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.57%1.54%1.66%1.63%1.59%+2 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 / Shares66.94%69.22%69.38%67.77%67.48%+54 bps
Liquid Assets / Assets20.20%16.00%16.33%18.42%33.12%+1,292 bps