PackageTrendsPeer
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Hessell - TPC

Portland, OR · Charter 20298

Q2 1999

$1.3MAssets
$913KLoans
$1.1MShares
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 2.97%, down 174 bps year over year.
  • Asset quality: problem loans at 4.25% of loans (+233 bps YoY).
  • Funding: loans stand at 80.02% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.97%-174 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 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets4.71%4.79%3.82%4.42%2.97%-174 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)-4.21%4.86%4.48%4.83%-1.17%+304 bps
Loan Growth (YoY)2.22%-6.96%-1.03%1.33%-7.20%-942 bps
Share Growth (YoY)-9.96%-0.46%0.81%2.58%6.64%+1,660 bps
Asset Quality
Delinquent Loans / Loans1.92%4.56%1.39%1.93%4.25%+233 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.72%0.75%0.82%0.79%0.88%+15 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 / Shares91.95%85.38%86.27%93.46%80.02%-1,193 bps
Liquid Assets / Assets20.00%30.27%22.88%18.27%23.75%+375 bps