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Rarin

Stockton, CA · Charter 7260

NCUA · 1 branch

Q4 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: Q4 2017, the quarter ended December 31, 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

Rarin

Stockton, CA · Charter 7260

NCUA · 1 branch

Q4 2017

$5.7MAssets
$1.6MLoans
$5.2MShares
$497KNet 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 -0.58%, up 49 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.76% of loans (-40 bps YoY).
  • Capital: net worth / assets of 8.66%, down 143 bps from a year ago.
  • Funding: loans stand at 30.56% of shares as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.58%+49 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-4 bps YoY

Efficiency Ratio (YTD, annualized)

114.98%-249 bps YoY

Net Worth / Assets

8.66%-143 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-1.08%-0.18%-0.58%-0.72%-0.58%+49 bps
Return on Equity-10.69%-1.87%-6.37%-8.44%-6.75%+394 bps
Net Interest Margin3.18%3.36%3.23%3.04%3.13%-4 bps
Efficiency Ratio117.47%106.58%109.57%112.50%114.98%-249 bps
Growth
Asset Growth (YoY)-8.48%4.33%6.75%10.44%9.17%+1,765 bps
Loan Growth (YoY)5.98%5.66%6.20%-2.36%-10.54%-1,652 bps
Share Growth (YoY)-8.35%5.95%11.48%12.75%10.90%+1,926 bps
Asset Quality
Delinquent Loans / Loans1.15%0.74%0.84%1.15%0.76%-40 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.93%0.88%0.96%1.11%0.59%-34 bps
Capital
Risk-Based Capital10.09%9.47%9.09%8.47%8.66%-143 bps
Net Worth / Assets10.09%9.47%9.09%8.47%8.66%-143 bps
Liquidity & Funding
Loans / Shares37.88%34.67%33.81%30.67%30.56%-732 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps