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Medi-Serv

San Francisco, CA · Charter 64459

Q3 2002

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 2002, the quarter ended September 30, 2002, 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

Medi-Serv

San Francisco, CA · Charter 64459

Q3 2002

$10.8MAssets
$3.4MLoans
$10.1MShares
$644KNet 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 -0.90%, down 132 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 1.56% of loans (+32 bps YoY).
  • Capital: net worth / assets of 5.95%, down 303 bps from a year ago.
  • Funding: loans stand at 33.98% of shares as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

-0.90%-132 bps YoY

Net Interest Margin (YTD, annualized)

2.83%-161 bps YoY

Efficiency Ratio (YTD, annualized)

122.65%+3,461 bps YoY

Net Worth / Assets

5.95%-303 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.43%-0.47%-1.37%-0.97%-0.90%-132 bps
Return on Equity4.74%-5.54%-19.06%-15.49%-15.08%-1,982 bps
Net Interest Margin4.44%3.56%3.12%2.84%2.83%-161 bps
Efficiency Ratio88.04%109.58%133.40%127.22%122.65%+3,461 bps
Growth
Asset Growth (YoY)2.97%2.04%5.57%10.62%13.82%+1,084 bps
Loan Growth (YoY)-22.56%-17.94%-14.99%-11.07%-20.61%+196 bps
Share Growth (YoY)3.56%2.50%7.48%14.23%18.16%+1,461 bps
Asset Quality
Delinquent Loans / Loans1.24%1.44%1.53%1.54%1.56%+32 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.18%1.18%0.92%0.72%0.78%-40 bps
Capital
Risk-Based Capital8.98%8.56%7.17%6.24%5.95%-303 bps
Net Worth / Assets8.98%8.56%7.17%6.24%5.95%-303 bps
Liquidity & Funding
Loans / Shares50.58%46.75%42.39%37.62%33.98%-1,660 bps
Liquid Assets / Assets51.07%54.21%57.91%61.24%65.31%+1,424 bps