San Francisco, CA · Charter 61449
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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 61449
Q2 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.83% | 3.29% | 2.54% | 2.70% | 1.30% | -153 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | -19.53% | -17.47% | -16.65% | n/a | |
| Loan Growth (YoY) | n/a | n/a | -26.68% | -4.57% | 17.91% | n/a | |
| Share Growth (YoY) | n/a | n/a | -24.26% | -22.34% | -19.75% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.05% | 2.97% | 4.36% | 5.07% | 2.21% | -83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.06% | 4.41% | 3.90% | 3.38% | 2.60% | -246 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.25% | 45.25% | 49.18% | 64.52% | 69.43% | +2,217 bps | |
| Liquid Assets / Assets | 60.11% | 62.30% | 57.11% | 45.61% | 41.96% | -1,815 bps | |