PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

San Francisco Postal

San Francisco, CA · Charter 65052

Q2 1999

$12.1MAssets
$5.2MLoans
$11.3MShares
n/aNet 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 0.84%, down 364 bps year over year.
  • Asset quality: problem loans at 4.76% of loans (+221 bps YoY).
  • Funding: loans stand at 46.23% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

0.84%-364 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.48%4.03%2.20%1.27%0.84%-364 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)16.33%11.18%8.92%1.17%0.48%-1,585 bps
Loan Growth (YoY)-7.60%-1.98%-15.19%-22.62%-26.00%-1,840 bps
Share Growth (YoY)16.11%11.61%8.94%2.10%3.32%-1,279 bps
Asset Quality
Delinquent Loans / Loans2.56%2.97%0.79%4.69%4.76%+221 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.90%0.98%2.06%5.22%+459 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares64.54%67.37%56.40%52.93%46.23%-1,832 bps
Liquid Assets / Assets37.15%34.57%13.95%46.01%52.49%+1,533 bps