PackageTrendsPeer
Letter portraitLegal landscape

State Employees #84

Manteca, CA · Charter 64376

Q1 2013

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 2013, the quarter ended March 31, 2013, 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 2026-10-10

State Employees #84

Manteca, CA · Charter 64376

Q1 2013

$1.6MAssets
$1.0MLoans
$1.4MShares
$156KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -4.48%, down 188 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 12.04% of loans (+387 bps YoY).
  • Capital: net worth / assets of 9.94%, down 427 bps from a year ago.
  • Funding: loans stand at 73.62% of shares as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-4.48%-188 bps YoY

Net Interest Margin (YTD, annualized)

4.73%-32 bps YoY

Efficiency Ratio (YTD, annualized)

188.45%+3,123 bps YoY

Net Worth / Assets

9.94%-427 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-2.61%-3.02%-2.90%-4.44%-4.48%-188 bps
Return on Equity-18.35%-22.27%-22.53%-39.19%-45.12%-2,677 bps
Net Interest Margin5.06%4.89%4.95%5.08%4.73%-32 bps
Efficiency Ratio157.23%158.86%153.99%181.46%188.45%+3,123 bps
Growth
Asset Growth (YoY)-0.41%0.52%-1.55%-5.24%-3.44%-303 bps
Loan Growth (YoY)-9.23%-9.50%-9.19%-5.69%-11.56%-232 bps
Share Growth (YoY)1.76%4.02%1.36%-1.84%0.45%-131 bps
Asset Quality
Delinquent Loans / Loans8.17%8.33%2.58%8.01%12.04%+387 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.32%2.44%1.81%1.77%2.06%-26 bps
Capital
Risk-Based Capital14.21%13.56%12.88%11.33%9.94%-427 bps
Net Worth / Assets14.21%13.56%12.88%11.33%9.94%-427 bps
Liquidity & Funding
Loans / Shares83.61%86.18%80.36%83.58%73.62%-999 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps