PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

S F Municipal Railway Emp

San Francisco, CA · Charter 7826

NCUA

Q1 2016

$5.2MAssets
$769KLoans
$4.7MShares
$449KNet 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 -5.79%, down 471 bps year over year; NIM at 1.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 8.63%, down 242 bps from a year ago.
  • Funding: loans stand at 16.31% of shares as of Q1 2016.

Financial Results

Return on Assets (YTD, annualized)

-5.79%-471 bps YoY

Net Interest Margin (YTD, annualized)

1.47%+9 bps YoY

Efficiency Ratio (YTD, annualized)

364%+21,521 bps YoY

Net Worth / Assets

8.63%-242 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets-1.08%-1.00%-1.59%-1.68%-5.79%-471 bps
Return on Equity-9.77%-9.10%-15.31%-16.52%-67.10%-5,732 bps
Net Interest Margin1.38%1.41%1.40%1.40%1.47%+9 bps
Efficiency Ratio149.11%145.73%173.42%177.58%364%+21,521 bps
Growth
Asset Growth (YoY)-10.74%-12.73%-8.55%-5.42%-3.57%+717 bps
Loan Growth (YoY)9.65%8.95%9.48%-18.40%-17.09%-2,674 bps
Share Growth (YoY)-11.11%-13.24%-8.40%-4.30%-1.25%+985 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.06%2.15%2.20%2.43%2.48%+42 bps
Capital
Risk-Based Capital11.06%10.94%10.42%10.19%8.63%-242 bps
Net Worth / Assets11.06%10.94%10.42%10.19%8.63%-242 bps
Liquidity & Funding
Loans / Shares19.42%18.68%18.51%17.09%16.31%-312 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps