PackageTrendsPeer
Letter portraitLegal landscape

Cooperative Center

Berkeley, CA · Charter 4900

NCUA · 2 branches

Q1 2024

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: Q1 2024, the quarter ended March 31, 2024, 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

Cooperative Center

Berkeley, CA · Charter 4900

NCUA · 2 branches

Q1 2024

$126.5MAssets
$73.8MLoans
$117.6MShares
$8.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.25%, up 37 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.78% of loans (-68 bps YoY).
  • Capital: net worth / assets of 6.59%, up 18 bps from a year ago.
  • Funding: loans stand at 62.82% of shares as of Q1 2024.

Return on Assets (YTD, annualized)

0.25%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+44 bps YoY

Efficiency Ratio (YTD, annualized)

90.63%-865 bps YoY

Net Worth / Assets

6.59%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets-0.12%-0.04%-0.05%-0.13%-0.59%-0.61%-0.47%0.25%+37 bps
Return on Equity-1.91%-0.60%-0.79%-1.96%-9.56%-9.87%-7.37%3.75%+571 bps
Net Interest Margin2.31%2.38%2.51%2.72%2.67%2.73%2.91%3.15%+44 bps
Efficiency Ratio103.09%99.41%99.66%99.28%100.41%102.12%99.83%90.63%-865 bps
Growth
Asset Growth (YoY)1.66%-1.09%-3.92%-4.00%-3.49%-5.79%-7.31%-8.71%-472 bps
Loan Growth (YoY)-3.49%1.16%7.49%11.27%10.27%9.46%3.64%-0.27%-1,154 bps
Share Growth (YoY)0.49%-1.06%-4.36%-4.74%-2.97%-5.61%-6.76%-8.35%-360 bps
Asset Quality
Delinquent Loans / Loans2.97%1.22%1.76%1.46%1.31%0.97%0.85%0.78%-68 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.52%0.46%0.35%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital6.23%6.26%6.43%6.41%6.17%6.16%6.42%6.59%+18 bps
Net Worth / Assets6.23%6.26%6.43%6.41%6.17%6.16%6.42%6.59%+18 bps
Liquidity & Funding
Loans / Shares50.43%51.77%56.30%57.73%57.32%60.04%62.58%62.82%+509 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps