PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Swedish Hospital Employees

Seattle, WA · Charter 13738

Q2 1998

$20.8MAssets
$10.8MLoans
$18.5MShares
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 3.52%, down 21 bps year over year.
  • Asset quality: problem loans at 0.28% of loans (+1 bps YoY).
  • Funding: loans stand at 58.29% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

3.52%-21 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.73%3.83%3.90%3.69%3.52%-21 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)7.84%8.11%7.26%8.99%5.36%-249 bps
Loan Growth (YoY)12.51%16.93%11.70%0.44%-6.83%-1,934 bps
Share Growth (YoY)7.00%7.93%4.46%5.95%1.90%-510 bps
Asset Quality
Delinquent Loans / Loans0.27%0.42%0.54%0.18%0.28%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.76%0.88%0.82%1.00%+34 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 / Shares63.75%67.04%66.34%61.52%58.29%-546 bps
Liquid Assets / Assets16.92%19.34%27.75%22.84%17.24%+32 bps