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So Val Tel

Fresno, CA · Charter 9004

NCUA · 3 branches

Q3 2016

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: Q3 2016, the quarter ended September 30, 2016, 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

So Val Tel

Fresno, CA · Charter 9004

NCUA · 3 branches

Q3 2016

$15.9MAssets
$3.3MLoans
$14.4MShares
$1.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, up 47 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.95% of loans (-87 bps YoY).
  • Capital: net worth / assets of 9.05%, unchanged from a year ago.
  • Funding: loans stand at 22.77% of shares as of Q3 2016.

Return on Assets (YTD, annualized)

0.01%+47 bps YoY

Net Interest Margin (YTD, annualized)

2.47%-23 bps YoY

Efficiency Ratio (YTD, annualized)

105.27%+637 bps YoY

Net Worth / Assets

9.05%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets0.71%0.12%-0.32%-0.46%-0.36%0.19%0.17%0.01%+47 bps
Return on Equity7.45%1.28%-3.37%-5.06%-4.01%2.16%1.82%0.15%+521 bps
Net Interest Margin2.98%2.71%2.77%2.70%2.65%2.51%2.52%2.47%-23 bps
Efficiency Ratio95.26%98.48%99.64%98.90%96.88%101.16%101.30%105.27%+637 bps
Growth
Asset Growth (YoY)5.15%5.43%0.96%2.65%1.62%0.43%1.25%-0.05%-270 bps
Loan Growth (YoY)-11.09%-15.77%-20.07%-22.79%-26.09%-25.67%-19.45%-19.69%+309 bps
Share Growth (YoY)4.98%5.25%0.72%2.89%2.03%1.06%1.75%0.22%-267 bps
Asset Quality
Delinquent Loans / Loans1.07%1.47%1.49%1.82%1.23%1.63%0.45%0.95%-87 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.12%2.17%2.42%3.19%3.27%3.34%3.14%3.33%+14 bps
Capital
Risk-Based Capital9.50%9.30%9.39%9.05%8.99%8.92%9.15%9.05%0 bps
Net Worth / Assets9.50%9.30%9.39%9.05%8.99%8.92%9.15%9.05%0 bps
Liquidity & Funding
Loans / Shares37.20%33.06%31.66%28.42%26.95%24.32%25.07%22.77%-565 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps