SAN MATEO CITY EMPLOYEES
LOCATION: SAN MATEO, CA
TYPE: CREDIT UNION
TOTAL ASSETS: $36MM
Affiliated Institutions
No Affiliated Institutions
IDC Rank of Financial Ratios 2024-Q3:
CAMEL Analysis
Capital Ratios - A Foundation for Safety and Soundness
Net Worth % Assets
Total Risk-Based Capital Ratio
Adequacy of Net Worth and Loan Loss Reserve to Cover Loan Delinquency
Loan Loss Reserve % Net Worth
Loans 2-6 Months Delinquent % Net Worth
Loans 6 Months or more Delinquent % Net Worth
Margins Measure Management
Net Operating Profit % Equity ROE (1yr)
Cost of Equity COE (1yr)
Net Interest % Earning Assets (1yr)
Noninterest Income % Earning Assets (1yr)
Operating Expense % Earning Assets (1yr)
Operating Profit Margin OPM (1yr)
OPM Risk Standard Deviation
Earnings Return on Equity Equals the Operating Return Plus the Financial Return
Return of Net Operating Profit From Operations % Earning Assets (ROEA)
Return on Financial Leverage (ROFL) = Spread X Leverage
ROEA less Cost of Funds = Leverage Spread
Leverage Multiplier
Liquidity Determines the Ability to Grow
Balance Sheet Cash Flow % Net Worth
Percent Annual Growth in Net Worth
Nonperforming Assets % Total Loans
Net Loans as a % of Member Shares & Excess Liquidity
Interest-Bearing Liabilities % Earning Assets
SAN MATEO CITY EMPLOYEES
LOCATION: SAN MATEO, CA
TYPE: CREDIT UNION
TOTAL ASSETS: $36MM
Affiliated Institutions
No Affiliated Institutions
Supplemental Ratios
Investment Yield
Loan Yield
Cost of Adjusted Debt
Net Income % Avg Assets
Reports
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Ranks are designed to provide IDC Financial Publishing, Inc.’s opinion as to the relative value of financial ratios, and are subject to limitations in their use. The ranks have no value in forecasting the direction of future trends of financial ratios. While in our opinion the selected ratios provide an ample financial picture for evaluating a financial institution, the quality of individual financial institutions can also be influenced by factors not taken into account in this analysis.
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