San Francisco, CA · Charter 62541
NCUA · 1 branch
Q4 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | -0.28% | -0.19% | -0.08% | -0.34% | -0.72% | -0.51% | -0.45% | -37 bps | |
| Return on Equity | 1.83% | -3.94% | -2.61% | -1.01% | -4.80% | -10.28% | -7.07% | -6.01% | -500 bps | |
| Net Interest Margin | 2.93% | 2.95% | 2.96% | 3.13% | 3.11% | 3.21% | 3.27% | 3.33% | +20 bps | |
| Efficiency Ratio | 83.57% | 97.03% | 97.11% | 94.87% | 88.77% | 89.22% | 93.04% | 94.30% | -58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.32% | -4.17% | -3.61% | 0.08% | -0.17% | -3.64% | -4.56% | -5.59% | -567 bps | |
| Loan Growth (YoY) | -3.89% | -14.99% | -19.12% | -17.87% | -18.01% | -18.93% | -16.46% | -19.11% | -124 bps | |
| Share Growth (YoY) | -3.46% | -4.03% | -3.92% | -0.85% | -0.51% | -5.44% | -4.65% | -5.69% | -483 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.69% | 0.72% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.71% | 0.71% | 0.77% | 0.83% | 1.17% | 1.20% | 1.33% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.17% | 7.04% | 7.17% | 7.44% | 6.99% | 7.02% | 7.20% | 7.43% | -1 bps | |
| Net Worth / Assets | 7.17% | 7.04% | 7.17% | 7.44% | 6.99% | 7.02% | 7.20% | 7.43% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.02% | 49.14% | 46.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |