San Francisco City Employees

San Francisco, CA · Charter 66833

Q1 1995

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: Q1 1995, the quarter ended March 31, 1995, 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 66833

Q1 1995

$162.1MAssets

$83.7MLoans

$145.7MShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

5.15%+177 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.

Metric	Q1 1994	Q2 1994	Q3 1994	Q4 1994	Q1 1995	YoY Δ	Trend
Earnings
Return on Assets	3.38%	3.57%	3.79%	3.98%	5.15%	+177 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)	n/a	n/a	n/a	n/a	4.34%	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	12.26%	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	3.55%	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.08%	0.48%	0.29%	0.69%	0.64%	-44 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	1.43%	1.41%	1.32%	1.28%	1.22%	-21 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	53.00%	53.38%	55.51%	57.45%	57.45%	+446 bps
Liquid Assets / Assets	43.18%	40.53%	39.24%	35.28%	37.23%	-596 bps