PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

N W Employees

Seattle, WA · Charter 13038

Q4 1997

$1.0MAssets
$586KLoans
$929KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.55%, down 84 bps year over year.
  • Asset quality: problem loans at 1.53% of loans (+63 bps YoY).
  • Funding: loans stand at 63.06% of shares as of Q4 1997.

Financial Results

Return on Assets (quarter, annualized)

3.55%-84 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets4.39%3.67%4.22%3.70%3.55%-84 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a0.76%-3.90%0.05%7.26%n/a
Loan Growth (YoY)n/a-4.24%-1.85%-4.65%-16.06%n/a
Share Growth (YoY)n/a-1.43%-6.12%-1.80%6.42%n/a
Asset Quality
Delinquent Loans / Loans0.90%2.03%1.22%1.61%1.53%+63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.55%1.34%0.75%0.85%1.05%-50 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares79.96%77.55%86.32%71.84%63.06%-1,689 bps
Liquid Assets / Assets28.77%28.44%23.75%36.73%41.22%+1,244 bps