Everett, WA · Charter 1927
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Everett, WA · Charter 1927
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.48% | 3.36% | 3.78% | 3.61% | 3.12% | -36 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 6.86% | 2.77% | 1.36% | -1.82% | -0.82% | -767 bps | |
| Loan Growth (YoY) | -0.61% | 5.00% | 16.90% | 12.45% | 12.13% | +1,274 bps | |
| Share Growth (YoY) | 6.36% | 1.52% | -1.33% | -2.55% | -1.49% | -785 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.26% | 2.31% | 1.32% | 1.97% | 1.88% | +62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.52% | 0.52% | 0.36% | 0.51% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.11% | 82.00% | 90.21% | 82.57% | 79.80% | +969 bps | |
| Liquid Assets / Assets | 8.87% | 18.62% | 12.46% | 15.54% | 19.64% | +1,078 bps | |