PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Port Gardner Bay

Everett, WA · Charter 1927

Q4 1998

$7.1MAssets
$5.1MLoans
$6.4MShares
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 3.12%, down 36 bps year over year.
  • Asset quality: problem loans at 1.88% of loans (+62 bps YoY).
  • Funding: loans stand at 79.80% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

3.12%-36 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets3.48%3.36%3.78%3.61%3.12%-36 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)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 / Loans1.26%2.31%1.32%1.97%1.88%+62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.46%0.52%0.52%0.36%0.51%+6 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 / Shares70.11%82.00%90.21%82.57%79.80%+969 bps
Liquid Assets / Assets8.87%18.62%12.46%15.54%19.64%+1,078 bps