PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

S F Recreation & Parks

San Francisco, CA · Charter 9253

Q1 2015

$13.5MAssets
$4.4MLoans
$11.3MShares
$2.5MNet 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 -5.65%, down 518 bps year over year; NIM at 2.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.37%, down 110 bps from a year ago.
  • Funding: loans stand at 38.80% of shares as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-5.65%-518 bps YoY

Net Interest Margin (YTD, annualized)

2.00%-7 bps YoY

Efficiency Ratio (YTD, annualized)

379%+25,668 bps YoY

Net Worth / Assets

18.37%-110 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
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 Margin2.08%2.05%2.11%2.12%2.00%-7 bps
Efficiency Ratio122.25%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%0.92%0.92%0.92%0.92%+2 bps
Capital
Risk-Based Capital19.47%19.11%19.55%19.59%18.37%-110 bps
Net Worth / Assets19.47%19.11%19.55%19.59%18.37%-110 bps
Liquidity & Funding
Loans / Shares39.30%37.56%38.79%38.85%38.80%-49 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps