S San Francisco, CA · Charter 68025
NCUA · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
S San Francisco, CA · Charter 68025
NCUA · 1 branch
Q2 2016
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.59% | -0.68% | 0.22% | 0.06% | -0.03% | -0.07% | -4.78% | -2.61% | -267 bps | |
| Return on Equity | -6.68% | -7.94% | 2.55% | 0.70% | -0.35% | -0.78% | -73.66% | -39.79% | -4,049 bps | |
| Net Interest Margin | 3.52% | 3.53% | 3.70% | 3.72% | 3.71% | 3.65% | 3.16% | 3.12% | -60 bps | |
| Efficiency Ratio | 111.44% | 115.68% | 98.80% | 100.57% | 101.85% | 103.93% | 231% | 168.20% | +6,763 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | -1.00% | 1.00% | -0.62% | -0.38% | -0.23% | -0.80% | -2.40% | -178 bps | |
| Loan Growth (YoY) | -2.35% | -9.16% | -4.04% | 1.48% | -0.79% | -11.78% | -18.31% | -23.55% | -2,503 bps | |
| Share Growth (YoY) | 0.93% | -1.92% | 0.03% | -0.84% | -0.58% | 0.22% | -0.74% | -0.56% | +28 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 0.42% | 0.12% | 0.11% | 0.40% | 0.48% | 0.26% | 0.51% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 1.08% | 0.92% | 0.93% | 0.85% | 0.67% | 0.69% | 0.63% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.78% | 8.53% | 8.50% | 8.55% | 8.55% | 8.49% | 6.48% | 6.56% | -199 bps | |
| Net Worth / Assets | 8.78% | 8.53% | 8.50% | 8.55% | 8.55% | 8.49% | 6.48% | 6.56% | -199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.04% | 59.80% | 60.76% | 62.77% | 58.91% | 52.63% | 50.00% | 48.25% | -1,451 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |