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Sierra Point

S San Francisco, CA · Charter 68025

NCUA · 1 branch

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

Sierra Point

S San Francisco, CA · Charter 68025

NCUA · 1 branch

Q2 2016

$27.0MAssets
$12.1MLoans
$25.2MShares
$1.8MNet 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 -2.61%, down 267 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.51% of loans (+40 bps YoY).
  • Capital: net worth / assets of 6.56%, down 199 bps from a year ago.
  • Funding: loans stand at 48.25% of shares as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

-2.61%-267 bps YoY

Net Interest Margin (YTD, annualized)

3.12%-60 bps YoY

Efficiency Ratio (YTD, annualized)

168.20%+6,763 bps YoY

Net Worth / Assets

6.56%-199 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.06%-0.03%-0.07%-4.78%-2.61%-267 bps
Return on Equity0.70%-0.35%-0.78%-73.66%-39.79%-4,049 bps
Net Interest Margin3.72%3.71%3.65%3.16%3.12%-60 bps
Efficiency Ratio100.57%101.85%103.93%231%168.20%+6,763 bps
Growth
Asset Growth (YoY)-0.62%-0.38%-0.23%-0.80%-2.40%-178 bps
Loan Growth (YoY)1.48%-0.79%-11.78%-18.31%-23.55%-2,503 bps
Share Growth (YoY)-0.84%-0.58%0.22%-0.74%-0.56%+28 bps
Asset Quality
Delinquent Loans / Loans0.11%0.40%0.48%0.26%0.51%+40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.93%0.85%0.67%0.69%0.63%-31 bps
Capital
Risk-Based Capital8.55%8.55%8.49%6.48%6.56%-199 bps
Net Worth / Assets8.55%8.55%8.49%6.48%6.56%-199 bps
Liquidity & Funding
Loans / Shares62.77%58.91%52.63%50.00%48.25%-1,451 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps