Seattle, WA · Charter 12281
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Seattle, WA · Charter 12281
Q2 2015
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | 0.29% | 0.53% | -0.91% | -2.06% | -196 bps | |
| Return on Equity | -2.34% | 5.27% | 9.37% | -16.02% | -36.40% | -3,405 bps | |
| Net Interest Margin | 3.30% | 4.11% | 3.99% | 3.48% | 3.53% | +23 bps | |
| Efficiency Ratio | 96.23% | 78.82% | 80.56% | 128.86% | 123.87% | +2,764 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.44% | -12.21% | 0.72% | -1.54% | -26.02% | -2,458 bps | |
| Loan Growth (YoY) | 0.47% | 0.16% | 6.21% | -0.56% | -12.74% | -1,321 bps | |
| Share Growth (YoY) | -1.05% | -12.11% | 0.43% | -1.48% | -26.33% | -2,528 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 0.51% | 0.02% | 1.18% | 1.82% | +54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 2.10% | 1.98% | 1.88% | 2.64% | +67 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.44% | 5.55% | 5.61% | 5.70% | 5.67% | +123 bps | |
| Net Worth / Assets | 4.44% | 5.55% | 5.61% | 5.70% | 5.67% | +123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.03% | 84.61% | 77.82% | 76.49% | 86.51% | +1,348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |