San Francisco, CA · Charter 9253
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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 9253
Q1 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.47% | -0.52% | -0.55% | -0.63% | -5.65% | -518 bps | |
| Return on Equity | -2.41% | -2.72% | -2.80% | -3.19% | -30.76% | -2,835 bps | |
| Net Interest Margin | 2.08% | 2.05% | 2.11% | 2.12% | 2.00% | -7 bps | |
| Efficiency Ratio | 122.25% | 125.03% | 125.62% | 129.13% | 379% | +25,668 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.91% | 0.79% | -2.95% | -3.86% | -4.07% | -316 bps | |
| Loan Growth (YoY) | -7.61% | -9.12% | -7.52% | -5.12% | -2.58% | +503 bps | |
| Share Growth (YoY) | -0.82% | 1.51% | -1.99% | -2.62% | -1.34% | -53 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 | 0.90% | 0.92% | 0.92% | 0.92% | 0.92% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.47% | 19.11% | 19.55% | 19.59% | 18.37% | -110 bps | |
| Net Worth / Assets | 19.47% | 19.11% | 19.55% | 19.59% | 18.37% | -110 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.30% | 37.56% | 38.79% | 38.85% | 38.80% | -49 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |