Olympia, WA · Charter 22926
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Olympia, WA · Charter 22926
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.45% | 1.34% | 0.27% | 0.97% | 0.69% | -77 bps | |
| Return on Equity | 13.27% | 11.94% | 2.52% | 8.56% | 5.93% | -734 bps | |
| Net Interest Margin | 4.72% | 4.76% | 4.54% | 4.60% | 4.65% | -6 bps | |
| Efficiency Ratio | 73.55% | 74.32% | 65.73% | 68.75% | 73.07% | -48 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.72% | 2.16% | 3.49% | 3.54% | 1.37% | -136 bps | |
| Loan Growth (YoY) | 3.66% | 5.46% | -1.69% | -0.62% | -3.72% | -738 bps | |
| Share Growth (YoY) | 1.70% | 0.07% | -0.88% | -1.04% | -3.14% | -485 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.61% | 0.50% | 0.75% | 0.54% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.78% | 1.04% | 0.91% | 0.95% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.94% | 11.21% | 10.81% | 11.35% | 11.55% | +61 bps | |
| Net Worth / Assets | 10.94% | 11.21% | 10.81% | 11.35% | 11.55% | +61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.81% | 103.10% | 96.01% | 99.59% | 99.22% | -59 bps | |
| Liquid Assets / Assets | 3.70% | 5.70% | 10.86% | 7.92% | 8.11% | +441 bps | |