Aberdeen, WA · Charter 10215
NCUA · 1 branch
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.36% | 0.55% | -1.23% | -0.19% | -2.51% | -15.77% | -14.88% | -1,365 bps | |
| Return on Equity | 1.78% | 2.66% | 3.93% | -10.30% | -1.41% | -19.41% | -396% | -1018% | -100,763 bps | |
| Net Interest Margin | 4.99% | 4.66% | 4.66% | 4.64% | 3.10% | 3.09% | 3.45% | 3.44% | -120 bps | |
| Efficiency Ratio | 91.94% | 91.25% | 88.15% | 86.37% | 105.44% | 133.17% | 478% | 463% | +37,647 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.54% | 0.47% | 0.32% | 6.34% | 97.71% | 80.47% | 60.85% | 51.53% | +4,519 bps | |
| Loan Growth (YoY) | 2.57% | 5.19% | -1.66% | 1.30% | 36.05% | 18.13% | 13.99% | 1.85% | +55 bps | |
| Share Growth (YoY) | -9.62% | 0.18% | -0.04% | 9.36% | 98.48% | 81.69% | 78.98% | 69.38% | +6,002 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.37% | 4.28% | 6.03% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.18% | 0.18% | 0.74% | 0.50% | 1.10% | 1.25% | 1.06% | +33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.52% | 13.45% | 13.88% | 11.90% | 13.29% | 12.92% | 3.98% | 1.46% | -1,044 bps | |
| Net Worth / Assets | 13.52% | 13.45% | 13.88% | 11.90% | 13.29% | 12.92% | 3.98% | 1.46% | -1,044 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.40% | 81.17% | 81.83% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |