First Federal Savings and Loan Association of San Rafael: Net Charge-Off Ratio
Data as of · sourced from FFIEC call reports. How we update
First Federal Savings and Loan Association of San Rafael reported a net charge-off ratio of 0.00% as of Q2 2026, ranking #2,230 of 3,651 U.S. banks (39th percentile). The Net Charge-Off (NCO) ratio measures loans actually written off as uncollectible, the realized credit loss number that follows non-performing loans.
12-Quarter Trend
National Context
What is the Net Charge-Off Ratio?
The Net Charge-Off ratio (annualized) measures loans actually written off as uncollectible (less subsequent recoveries) divided by average loans outstanding. It is the realized credit loss experience of the bank.
Most US community banks report annualized NCO between 0.1% and 0.5%. Consumer-heavy or credit-card-issuing banks can report 2-5% as a normal range (different risk model). Compare to historical trend, NCO spikes typically precede recessions by 1-2 quarters.
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What is First Federal Savings and Loan Association of San Rafael's Net Charge-Off Ratio?
First Federal Savings and Loan Association of San Rafael's Net Charge-Off Ratio was 0.00% as of Q2 2026, ranking #2230 of 3,651 U.S. banks.
What is the Net Charge-Off Ratio?
The Net Charge-Off ratio (annualized) measures loans actually written off as uncollectible (less subsequent recoveries) divided by average loans outstanding. It is the realized credit loss experience of the bank.
More First Federal Savings and Loan Association of San Rafael metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full First Federal Savings and Loan Association of San Rafael profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 31406) · FFIEC NIC profile (RSSD 229070)