Aberdeen, WA · Charter 10215
NCUA · 1 branch
Q4 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.23% | -0.19% | -2.51% | -15.77% | -14.88% | -1,365 bps | |
| Return on Equity | -10.30% | -1.41% | -19.41% | -396% | -1018% | -100,763 bps | |
| Net Interest Margin | 4.64% | 3.10% | 3.09% | 3.45% | 3.44% | -120 bps | |
| Efficiency Ratio | 86.37% | 105.44% | 133.17% | 478% | 463% | +37,647 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.34% | 97.71% | 80.47% | 60.85% | 51.53% | +4,519 bps | |
| Loan Growth (YoY) | 1.30% | 36.05% | 18.13% | 13.99% | 1.85% | +55 bps | |
| Share Growth (YoY) | 9.36% | 98.48% | 81.69% | 78.98% | 69.38% | +6,002 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.30% | 0.80% | 4.90% | 3.10% | 0.18% | -712 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.50% | 1.10% | 1.25% | 1.06% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.90% | 13.29% | 12.92% | 3.98% | 1.46% | -1,044 bps | |
| Net Worth / Assets | 11.90% | 13.29% | 12.92% | 3.98% | 1.46% | -1,044 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.48% | 55.11% | 52.77% | 52.12% | 46.59% | -3,089 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |