S San Francisco, CA · Charter 68025
NCUA · 1 branch
Q2 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | -0.03% | -0.07% | -4.78% | -2.61% | -267 bps | |
| Return on Equity | 0.70% | -0.35% | -0.78% | -73.66% | -39.79% | -4,049 bps | |
| Net Interest Margin | 3.72% | 3.71% | 3.65% | 3.16% | 3.12% | -60 bps | |
| Efficiency Ratio | 100.57% | 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 / Loans | 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 |
| Allowance / Loans | 0.93% | 0.85% | 0.67% | 0.69% | 0.63% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.55% | 8.55% | 8.49% | 6.48% | 6.56% | -199 bps | |
| Net Worth / Assets | 8.55% | 8.55% | 8.49% | 6.48% | 6.56% | -199 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |