PackageTrendsPeer
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Puget Sound Energy

Tacoma, WA · Charter 1333

Q2 1997

$4.2MAssets
$3.3MLoans
$3.8MShares
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 3.95%, down 66 bps year over year.
  • Asset quality: problem loans at 2.92% of loans (+47 bps YoY).
  • Funding: loans stand at 87.66% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

3.95%-66 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.61%4.60%4.62%4.10%3.95%-66 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/an/a-15.19%-12.65%-2.51%n/a
Loan Growth (YoY)n/an/a-12.55%-13.63%-7.08%n/a
Share Growth (YoY)n/an/a-13.91%-10.31%5.10%n/a
Asset Quality
Delinquent Loans / Loans2.45%2.96%0.97%0.71%2.92%+47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.66%0.41%0.49%0.62%+8 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 / Shares99.15%89.09%94.33%90.60%87.66%-1,149 bps
Liquid Assets / Assets13.94%14.05%11.04%8.54%16.64%+270 bps