San Francisco, CA · Charter 62541
NCUA · 1 branch
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | -0.34% | -0.72% | -0.51% | -0.45% | -37 bps | |
| Return on Equity | -1.01% | -4.80% | -10.28% | -7.07% | -6.01% | -500 bps | |
| Net Interest Margin | 3.13% | 3.11% | 3.21% | 3.27% | 3.33% | +20 bps | |
| Efficiency Ratio | 94.87% | 88.77% | 89.22% | 93.04% | 94.30% | -58 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.08% | -0.17% | -3.64% | -4.56% | -5.59% | -567 bps | |
| Loan Growth (YoY) | -17.87% | -18.01% | -18.93% | -16.46% | -19.11% | -124 bps | |
| Share Growth (YoY) | -0.85% | -0.51% | -5.44% | -4.65% | -5.69% | -483 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.37% | 1.01% | 0.24% | 0.23% | 0.30% | -107 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.83% | 1.17% | 1.20% | 1.33% | +55 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.44% | 6.99% | 7.02% | 7.20% | 7.43% | -1 bps | |
| Net Worth / Assets | 7.44% | 6.99% | 7.02% | 7.20% | 7.43% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.44% | 42.04% | 42.13% | 40.47% | 39.83% | -661 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |