PackageTrendsPeer
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Tri City

Richland, WA · Charter 14044

Q2 1997

$4.3MAssets
$2.8MLoans
$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 2.60%, down 88 bps year over year.
  • Asset quality: problem loans at 1.36% of loans (+124 bps YoY).
  • Funding: loans stand at 73.33% of shares as of Q2 1997.

Financial Results

Return on Assets (YTD, annualized)

2.60%-88 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.48%3.00%2.47%2.57%2.60%-88 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-17.26%-14.09%-14.33%n/a
Loan Growth (YoY)n/an/a1.76%1.76%-5.40%n/a
Share Growth (YoY)n/an/a-19.98%-16.25%-15.84%n/a
Asset Quality
Delinquent Loans / Loans0.13%0.49%0.00%0.74%1.36%+124 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%1.07%0.57%0.83%0.91%+11 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 / Shares65.24%71.31%68.57%72.65%73.33%+809 bps
Liquid Assets / Assets30.96%21.36%25.87%21.87%25.13%-583 bps