PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

San Francisco Fire

San Francisco, CA · Charter 66821

Q1 1999

$202.7MAssets
$119.3MLoans
$173.3MShares
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 4.70%, down 6 bps year over year.
  • Asset quality: problem loans at 0.03% of loans (-24 bps YoY).
  • Funding: loans stand at 68.85% of shares as of Q1 1999.

Financial Results

Return on Assets (quarter, annualized)

4.70%-6 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets4.77%4.89%4.79%4.54%4.70%-6 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)9.25%7.58%10.91%12.87%12.02%+277 bps
Loan Growth (YoY)7.34%8.48%9.82%10.55%9.57%+223 bps
Share Growth (YoY)8.76%6.93%10.89%11.46%12.53%+377 bps
Asset Quality
Delinquent Loans / Loans0.27%0.08%0.06%0.04%0.03%-24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.28%0.27%0.26%0.25%0.25%-3 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 / Shares70.72%72.77%72.17%71.73%68.85%-186 bps
Liquid Assets / Assets12.11%10.23%10.63%7.65%8.92%-318 bps