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San Bernardino City Employees

San Bernardin0, CA · Charter 68027

NCUA · 1 branch

Q1 2024

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: Q1 2024, the quarter ended March 31, 2024, 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

San Bernardino City Employees

San Bernardin0, CA · Charter 68027

NCUA · 1 branch

Q1 2024

$46.0MAssets
$20.6MLoans
$49.8MShares
$1.6MNet 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 -19.17%, down 1,955 bps year over year; NIM at 2.38%.
  • Asset quality: problem loans at 5.65% of loans (+421 bps YoY).
  • Capital: net worth / assets of 3.51%, down 490 bps from a year ago.
  • Funding: loans stand at 41.45% of shares as of Q1 2024.

Financial Results

Return on Assets (YTD, annualized)

-19.17%-1,955 bps YoY

Net Interest Margin (YTD, annualized)

2.38%-92 bps YoY

Efficiency Ratio (YTD, annualized)

122.44%+3,196 bps YoY

Net Worth / Assets

3.51%-490 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets0.37%-0.23%-0.48%-2.77%-19.17%-1,955 bps
Return on Equity4.41%-2.91%-6.11%-50.65%-546%-55,055 bps
Net Interest Margin3.30%3.14%2.85%2.74%2.38%-92 bps
Efficiency Ratio90.48%103.79%111.68%111.22%122.44%+3,196 bps
Growth
Asset Growth (YoY)-4.78%0.12%-2.55%3.53%-5.99%-121 bps
Loan Growth (YoY)54.41%64.18%52.47%20.85%-3.02%-5,743 bps
Share Growth (YoY)-2.70%-0.81%0.40%5.49%3.85%+655 bps
Asset Quality
Delinquent Loans / Loans1.43%4.18%7.49%10.89%5.65%+421 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.03%0.06%0.06%0.00%0.00%-3 bps
Capital
Risk-Based Capital8.41%8.05%7.81%5.46%3.51%-490 bps
Net Worth / Assets8.41%8.05%7.81%5.46%3.51%-490 bps
Liquidity & Funding
Loans / Shares44.38%47.07%46.30%46.88%41.45%-293 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps