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Sonoma County School Employees

Santa Rosa, CA · Charter 67895

NCUA · 7 branches

Q2 2017

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 2017, the quarter ended June 30, 2017, 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

Sonoma County School Employees

Santa Rosa, CA · Charter 67895

NCUA · 7 branches

Q2 2017

$211.6MAssets
$150.6MLoans
$188.8MShares
$19.6MNet 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 0.62%, down 48 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 0.46% of loans (-46 bps YoY).
  • Capital: net worth / assets of 9.27%, down 4 bps from a year ago.
  • Funding: loans stand at 79.78% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

0.62%-48 bps YoY

Net Interest Margin (YTD, annualized)

3.44%-17 bps YoY

Efficiency Ratio (YTD, annualized)

80.45%+464 bps YoY

Net Worth / Assets

9.27%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets1.10%0.93%0.87%0.43%0.62%-48 bps
Return on Equity11.84%10.11%9.37%4.75%6.74%-510 bps
Net Interest Margin3.61%3.50%3.48%3.38%3.44%-17 bps
Efficiency Ratio75.81%76.98%77.62%83.56%80.45%+464 bps
Growth
Asset Growth (YoY)8.54%8.35%8.52%10.41%7.90%-65 bps
Loan Growth (YoY)10.20%10.11%7.93%5.01%1.61%-859 bps
Share Growth (YoY)6.63%7.92%8.44%10.76%8.20%+158 bps
Asset Quality
Delinquent Loans / Loans0.93%0.83%0.88%0.47%0.46%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.36%0.43%0.43%0.48%0.48%+12 bps
Capital
Risk-Based Capital9.31%9.19%9.29%9.04%9.27%-4 bps
Net Worth / Assets9.31%9.19%9.29%9.04%9.27%-4 bps
Liquidity & Funding
Loans / Shares84.95%82.73%82.57%79.80%79.78%-517 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps