Pasco, WA · Charter 10332
NCUA · 1 branch
Q4 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.08% | 0.13% | 0.07% | -0.49% | -0.25% | -0.26% | -0.41% | -49 bps | |
| Return on Equity | 0.25% | 0.96% | 1.50% | 0.82% | -5.84% | -3.01% | -3.28% | -5.27% | -609 bps | |
| Net Interest Margin | 2.81% | 2.78% | 2.75% | 2.75% | 2.53% | 2.53% | 2.49% | 2.44% | -30 bps | |
| Efficiency Ratio | 99.11% | 97.74% | 96.62% | 98.13% | 110.47% | 105.32% | 106.22% | 109.33% | +1,120 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.39% | -3.82% | 3.21% | 1.30% | 3.23% | 3.74% | 5.47% | 5.95% | +464 bps | |
| Loan Growth (YoY) | 3.97% | -0.65% | -4.94% | -9.31% | -5.20% | -6.52% | -7.92% | -9.71% | -40 bps | |
| Share Growth (YoY) | -1.42% | -3.68% | 3.84% | 1.88% | 2.20% | 4.91% | 6.02% | 5.86% | +397 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.10% | 0.05% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.54% | 0.55% | 0.44% | 0.52% | 0.49% | 0.49% | 0.57% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.75% | 8.79% | 8.72% | 8.76% | 8.42% | 8.38% | 8.05% | 7.86% | -91 bps | |
| Net Worth / Assets | 8.75% | 8.79% | 8.72% | 8.76% | 8.42% | 8.38% | 8.05% | 7.86% | -91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.72% | 39.20% | 37.35% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |