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MC Clatchy Employees

Sacramento, CA · Charter 65095

NCUA · 2 branches

Q2 2019

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: Q2 2019, the quarter ended June 30, 2019, 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

MC Clatchy Employees

Sacramento, CA · Charter 65095

NCUA · 2 branches

Q2 2019

$12.1MAssets
$3.1MLoans
$10.2MShares
$2.0MNet Worth

Executive Summary

  • Earnings: ROA of -0.13%, down 3 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.40% of loans (+40 bps YoY).
  • Capital: net worth / assets of 16.20%, up 310 bps from a year ago.
  • Funding: loans stand at 30.51% of shares as of Q2 2019.

Return on Assets (YTD, annualized)

-0.13%-3 bps YoY

Net Interest Margin (YTD, annualized)

2.12%+36 bps YoY

Efficiency Ratio (YTD, annualized)

113.36%+1,542 bps YoY

Net Worth / Assets

16.20%+310 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets-0.06%-0.21%0.31%-0.10%0.08%0.14%0.19%-0.13%-3 bps
Return on Equity-0.51%-1.69%2.34%-0.77%0.57%0.98%1.21%-0.83%-6 bps
Net Interest Margin1.70%1.88%1.71%1.76%1.90%1.87%2.05%2.12%+36 bps
Efficiency Ratio98.44%88.36%81.42%97.94%92.21%92.16%95.94%113.36%+1,542 bps
Growth
Asset Growth (YoY)2.30%-0.76%-3.57%-6.48%-10.01%-9.90%-14.88%-18.36%-1,188 bps
Loan Growth (YoY)5.13%-0.53%-8.06%-10.61%-15.28%-11.69%-9.02%-12.57%-196 bps
Share Growth (YoY)2.70%-0.43%-3.97%-7.23%-11.43%-11.80%-17.81%-20.85%-1,362 bps
Asset Quality
Delinquent Loans / Loans0.25%0.10%0.23%0.00%0.00%0.04%0.38%0.40%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.40%1.10%1.13%1.18%1.17%1.03%0.93%0.78%-40 bps
Capital
Risk-Based Capital12.53%12.48%13.14%13.10%13.81%13.99%15.55%16.20%+310 bps
Net Worth / Assets12.53%12.48%13.14%13.10%13.81%13.99%15.55%16.20%+310 bps
Liquidity & Funding
Loans / Shares29.94%28.20%27.77%27.62%28.64%28.23%30.74%30.51%+289 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps