Vancouver, WA · Charter 15635
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Vancouver, WA · Charter 15635
Q2 2008
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.04% | 0.59% | -91.85% | -53.01% | -5,309 bps | |
| Return on Equity | 0.75% | 0.39% | 5.47% | n/a | n/a | n/a | |
| Net Interest Margin | 5.38% | 5.32% | 5.16% | 4.83% | 5.04% | -33 bps | |
| Efficiency Ratio | 99.82% | 100.08% | 100.90% | 256% | 715% | +61,508 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.17% | -1.50% | -4.19% | -7.34% | -10.12% | -796 bps | |
| Loan Growth (YoY) | -5.89% | -6.00% | -1.51% | -0.79% | -10.74% | -485 bps | |
| Share Growth (YoY) | -4.87% | 2.84% | -5.15% | 14.32% | 13.94% | +1,881 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.07% | 3.41% | 3.49% | 11.89% | 3.75% | +68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 1.62% | 0.85% | 23.66% | 1.54% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.64% | 10.51% | 10.78% | -11.33% | -14.03% | -2,467 bps | |
| Net Worth / Assets | 10.64% | 10.51% | 10.78% | -11.33% | -14.03% | -2,467 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.89% | 95.32% | 96.15% | 81.40% | 76.69% | -2,120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |