PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Pacific

Federal Way, WA · Charter 22047

Q4 1999

$1.8MAssets
$1.4MLoans
$1.4MShares
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 0.63%, down 357 bps year over year; NIM at 6.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 99.76% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

0.63%-357 bps YoY

Net Interest Margin (YTD, annualized)

6.04%

Efficiency Ratio (YTD, annualized)

85.74%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.21%3.27%3.21%2.93%0.63%-357 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a6.04%n/an/a
Efficiency Ration/an/an/an/a85.74%n/an/a
Growth
Asset Growth (YoY)-4.35%-0.07%-2.63%3.34%1.29%+565 bps
Loan Growth (YoY)2.08%-3.68%-2.46%-6.86%-6.04%-812 bps
Share Growth (YoY)-7.90%-1.98%-4.54%3.03%0.74%+865 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.55%0.34%0.48%0.70%0.82%+27 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 / Shares106.96%91.56%96.77%91.54%99.76%-720 bps
Liquid Assets / Assets12.27%22.87%19.56%22.06%16.89%+462 bps