San Francisco, CA · Charter 7826
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 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.
San Francisco, CA · Charter 7826
NCUA
Q1 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.92% | -1.02% | -1.03% | -1.08% | -1.00% | -1.59% | -1.68% | -5.79% | -471 bps | |
| Return on Equity | -8.87% | -9.38% | -9.15% | -9.77% | -9.10% | -15.31% | -16.52% | -67.10% | -5,732 bps | |
| Net Interest Margin | 1.21% | 1.27% | 1.34% | 1.38% | 1.41% | 1.40% | 1.40% | 1.47% | +9 bps | |
| Efficiency Ratio | 149.00% | 151.15% | 148.11% | 149.11% | 145.73% | 173.42% | 177.58% | 364% | +21,521 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.75% | -6.49% | -9.18% | -10.74% | -12.73% | -8.55% | -5.42% | -3.57% | +717 bps | |
| Loan Growth (YoY) | -7.11% | -11.13% | 14.79% | 9.65% | 8.95% | 9.48% | -18.40% | -17.09% | -2,674 bps | |
| Share Growth (YoY) | -2.12% | -6.24% | -9.28% | -11.11% | -13.24% | -8.40% | -4.30% | -1.25% | +985 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.35% | 2.41% | 1.98% | 2.06% | 2.15% | 2.20% | 2.43% | 2.48% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.42% | 10.83% | 11.23% | 11.06% | 10.94% | 10.42% | 10.19% | 8.63% | -242 bps | |
| Net Worth / Assets | 10.42% | 10.83% | 11.23% | 11.06% | 10.94% | 10.42% | 10.19% | 8.63% | -242 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 14.88% | 15.48% | 20.04% | 19.42% | 18.68% | 18.51% | 17.09% | 16.31% | -312 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |