Seattle, WA · Charter 14630
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 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 14630
Q3 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.80% | -0.59% | -4.03% | -3.75% | -4.13% | -333 bps | |
| Return on Equity | -11.64% | -8.40% | -67.16% | -64.46% | -93.71% | -8,207 bps | |
| Net Interest Margin | 2.78% | 2.82% | 2.49% | 2.70% | 2.59% | -19 bps | |
| Efficiency Ratio | 107.54% | 106.79% | 197.45% | 177.70% | 198.07% | +9,053 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.37% | -0.87% | -11.27% | -8.91% | -8.50% | -413 bps | |
| Loan Growth (YoY) | 0.29% | 5.17% | -3.35% | -1.88% | -3.22% | -351 bps | |
| Share Growth (YoY) | -4.23% | -1.52% | -11.06% | -8.05% | -6.66% | -242 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.40% | 0.37% | 0.32% | 0.15% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.22% | 0.70% | 1.08% | 1.26% | +87 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.84% | 7.03% | 6.00% | 5.82% | 4.40% | -244 bps | |
| Net Worth / Assets | 6.84% | 7.03% | 6.00% | 5.82% | 4.40% | -244 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.54% | 50.33% | 47.03% | 51.38% | 47.22% | +168 bps | |
| Liquid Assets / Assets | 99.14% | 0.00% | 0.00% | 0.00% | 0.00% | -9,914 bps | |