Pasco, WA · Charter 10332
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Pasco, WA · Charter 10332
NCUA · 1 branch
Q4 2017
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | -0.49% | -0.25% | -0.26% | -0.41% | -49 bps | |
| Return on Equity | 0.82% | -5.84% | -3.01% | -3.28% | -5.27% | -609 bps | |
| Net Interest Margin | 2.75% | 2.53% | 2.53% | 2.49% | 2.44% | -30 bps | |
| Efficiency Ratio | 98.13% | 110.47% | 105.32% | 106.22% | 109.33% | +1,120 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.30% | 3.23% | 3.74% | 5.47% | 5.95% | +464 bps | |
| Loan Growth (YoY) | -9.31% | -5.20% | -6.52% | -7.92% | -9.71% | -40 bps | |
| Share Growth (YoY) | 1.88% | 2.20% | 4.91% | 6.02% | 5.86% | +397 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.44% | 0.45% | 0.57% | 0.48% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.52% | 0.49% | 0.49% | 0.57% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.76% | 8.42% | 8.38% | 8.05% | 7.86% | -91 bps | |
| Net Worth / Assets | 8.76% | 8.42% | 8.38% | 8.05% | 7.86% | -91 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.68% | 35.92% | 34.93% | 32.44% | 31.29% | -539 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |