San Francisco, CA · Charter 7826
NCUA
Q1 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 1.38% | 1.41% | 1.40% | 1.40% | 1.47% | +9 bps | |
| Efficiency Ratio | 149.11% | 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 / Loans | 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 |
| Allowance / Loans | 2.06% | 2.15% | 2.20% | 2.43% | 2.48% | +42 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.06% | 10.94% | 10.42% | 10.19% | 8.63% | -242 bps | |
| Net Worth / Assets | 11.06% | 10.94% | 10.42% | 10.19% | 8.63% | -242 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |