PackageTrendsPeer
Letter portraitLegal landscape

Financial Benefits

Oakland, CA · Charter 61125

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Financial Benefits

Oakland, CA · Charter 61125

NCUA · 1 branch

Q3 2017

$20.1MAssets
$13.9MLoans
$18.6MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.47%, down 7 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 7.28%, down 36 bps from a year ago.
  • Funding: loans stand at 74.38% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

-0.47%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-27 bps YoY

Efficiency Ratio (YTD, annualized)

112.79%+242 bps YoY

Net Worth / Assets

7.28%-36 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.16%-0.71%-0.55%-0.40%-0.30%-0.57%-0.48%-0.47%-7 bps
Return on Equity-1.87%-8.68%-6.87%-5.19%-4.00%-7.63%-6.44%-6.43%-124 bps
Net Interest Margin4.09%3.74%3.78%3.70%3.67%3.44%3.46%3.42%-27 bps
Efficiency Ratio106.37%116.44%114.10%110.36%107.72%115.82%113.26%112.79%+242 bps
Growth
Asset Growth (YoY)0.28%2.74%3.95%6.93%7.87%5.14%3.60%0.07%-686 bps
Loan Growth (YoY)-10.16%-8.39%2.75%12.67%7.99%-0.62%-5.93%-9.38%-2,205 bps
Share Growth (YoY)0.46%3.34%4.83%8.03%9.04%5.95%4.34%0.62%-741 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.10%0.11%0.06%0.06%0.07%0.06%0.05%0.05%-1 bps
Capital
Risk-Based Capital8.46%8.14%7.97%7.65%7.54%7.46%7.41%7.28%-36 bps
Net Worth / Assets8.46%8.14%7.97%7.65%7.54%7.46%7.41%7.28%-36 bps
Liquidity & Funding
Loans / Shares78.53%80.01%82.75%82.59%77.76%75.05%74.60%74.38%-820 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps