PackageTrendsPeer
Letter portraitLegal landscape

Sequoia Hospital Employees

Redwood City, CA · Charter 9547

Q2 2014

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: Q2 2014, the quarter ended June 30, 2014, 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

Sequoia Hospital Employees

Redwood City, CA · Charter 9547

Q2 2014

$13.7MAssets
$6.2MLoans
$11.7MShares
$2.0MNet 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 -0.93%, down 93 bps year over year; NIM at 2.49%.
  • Asset quality: problem loans at 0.02% of loans (-54 bps YoY).
  • Capital: net worth / assets of 14.31%, down 118 bps from a year ago.
  • Funding: loans stand at 52.54% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.93%-93 bps YoY

Net Interest Margin (YTD, annualized)

2.49%+3 bps YoY

Efficiency Ratio (YTD, annualized)

140.15%+3,341 bps YoY

Net Worth / Assets

14.31%-118 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.00%-0.17%-0.43%-0.10%-0.93%-93 bps
Return on Equity0.02%-1.08%-2.89%-0.69%-6.49%-651 bps
Net Interest Margin2.45%2.45%2.46%2.44%2.49%+3 bps
Efficiency Ratio106.74%110.93%119.60%112.97%140.15%+3,341 bps
Growth
Asset Growth (YoY)-4.67%-1.41%1.98%2.51%1.89%+657 bps
Loan Growth (YoY)-3.97%-9.84%6.35%5.16%1.20%+517 bps
Share Growth (YoY)-5.44%-1.62%2.80%3.42%3.17%+861 bps
Asset Quality
Delinquent Loans / Loans0.56%0.23%0.10%0.06%0.02%-54 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.61%0.50%0.38%0.38%-25 bps
Capital
Risk-Based Capital15.49%15.35%14.93%14.53%14.31%-118 bps
Net Worth / Assets15.49%15.35%14.93%14.53%14.31%-118 bps
Liquidity & Funding
Loans / Shares53.57%51.32%53.71%51.19%52.54%-102 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps