San Francisco, CA · Charter 65339
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
San Francisco, CA · Charter 65339
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.28% | -0.01% | 0.36% | 1.05% | 1.16% | -12 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -7.70% | -11.98% | -8.67% | -7.78% | -13.43% | -574 bps | |
| Loan Growth (YoY) | -10.11% | -11.01% | -31.31% | -34.51% | -33.31% | -2,320 bps | |
| Share Growth (YoY) | -9.07% | -14.48% | -9.12% | -7.19% | -16.22% | -715 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.30% | 15.67% | 16.41% | 17.84% | 18.19% | +1,089 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 5.19% | 7.46% | 9.32% | 10.35% | +874 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.58% | 59.36% | 47.98% | 41.38% | 42.65% | -1,093 bps | |
| Liquid Assets / Assets | 47.73% | 48.97% | 53.23% | 67.79% | 53.23% | +550 bps | |