Everett, WA · Charter 20655
NCUA · 1 branch
Q2 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.38% | 1.02% | 0.77% | 0.70% | 0.70% | 0.44% | 2.86% | +209 bps | |
| Return on Equity | 2.39% | 1.94% | 5.15% | 3.71% | 3.39% | 3.42% | 2.11% | 13.22% | +951 bps | |
| Net Interest Margin | 3.28% | 3.52% | 3.54% | 3.70% | 3.70% | 3.68% | 3.38% | 3.27% | -43 bps | |
| Efficiency Ratio | 79.82% | 77.05% | 65.79% | 69.03% | 74.37% | 75.16% | 87.39% | 61.67% | -735 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.25% | -2.18% | -2.75% | -6.90% | -7.28% | -1.52% | -2.70% | -1.17% | +573 bps | |
| Loan Growth (YoY) | -0.92% | -1.76% | 6.03% | 15.78% | -2.36% | -3.23% | -8.73% | -22.97% | -3,875 bps | |
| Share Growth (YoY) | 0.96% | -3.14% | -3.96% | -9.12% | -9.56% | -2.82% | -4.25% | -2.24% | +688 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.11% | 0.56% | 0.49% | 0.60% | 0.34% | 0.46% | 0.00% | 0.00% | -60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.87% | 2.12% | 1.96% | 1.68% | 1.67% | 1.68% | 1.66% | 0.00% | -168 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.66% | 19.58% | 19.71% | 20.74% | 20.68% | 20.59% | 20.81% | 21.66% | +92 bps | |
| Net Worth / Assets | 18.66% | 19.58% | 19.71% | 20.74% | 20.68% | 20.59% | 20.81% | 21.66% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.69% | 64.45% | 62.14% | 67.64% | 64.44% | 64.18% | 59.23% | 53.29% | -1,435 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |