PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

San Francisco City Employees

San Francisco, CA · Charter 66833

Q1 1995

$162.1MAssets
$83.7MLoans
$145.7MShares
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 5.15%, up 177 bps year over year.
  • Asset quality: problem loans at 0.64% of loans (-44 bps YoY).
  • Funding: loans stand at 57.45% of shares as of Q1 1995.

Financial Results

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.

MetricQ1 1994Q2 1994Q3 1994Q4 1994Q1 1995YoY ΔTrend
Earnings
Return on Assets3.38%3.57%3.79%3.98%5.15%+177 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)n/an/an/an/a4.34%n/an/a
Loan Growth (YoY)n/an/an/an/a12.26%n/an/a
Share Growth (YoY)n/an/an/an/a3.55%n/an/a
Asset Quality
Delinquent Loans / Loans1.08%0.48%0.29%0.69%0.64%-44 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.43%1.41%1.32%1.28%1.22%-21 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 / Shares53.00%53.38%55.51%57.45%57.45%+446 bps
Liquid Assets / Assets43.18%40.53%39.24%35.28%37.23%-596 bps