PackageTrendsPeer
Letter portraitLegal landscape

Electricians #595

San Leandro, CA · Charter 65055

Q4 1999

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: Q4 1999, the quarter ended December 31, 1999, 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

Electricians #595

San Leandro, CA · Charter 65055

Q4 1999

$1.0MAssets
$1.0MLoans
$862KShares
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 1.88%, down 3 bps year over year; NIM at 5.85%.
  • Asset quality: problem loans at 1.40% of loans (+140 bps YoY).
  • Funding: loans stand at 118.98% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

1.88%-3 bps YoY

Net Interest Margin (YTD, annualized)

5.85%

Efficiency Ratio (YTD, annualized)

69.66%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.91%2.92%2.93%3.38%1.88%-3 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.85%n/an/a
Efficiency Ration/an/an/an/a69.66%n/an/a
Growth
Asset Growth (YoY)-12.70%14.18%25.62%45.28%42.47%+5,517 bps
Loan Growth (YoY)13.54%58.90%76.09%105.24%96.65%+8,311 bps
Share Growth (YoY)-16.72%14.28%28.60%52.14%46.52%+6,325 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%1.40%+140 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.09%3.38%2.98%2.47%2.25%-184 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 / Shares88.66%90.74%106.07%113.99%118.98%+3,033 bps
Liquid Assets / Assets28.32%17.30%10.89%1.55%0.15%-2,817 bps