Hermiston, OR · Charter 23059
Q2 1998
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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.14% | 6.93% | 3.99% | 3.42% | 3.13% | -301 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 26.80% | 13.32% | 14.13% | -9.78% | -5.13% | -3,192 bps | |
| Loan Growth (YoY) | -5.00% | 30.95% | 14.78% | -7.54% | 3.39% | +839 bps | |
| Share Growth (YoY) | 21.76% | 7.34% | 10.77% | -13.64% | -8.51% | -3,026 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 2.10% | 3.88% | 1.92% | 2.44% | +208 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.63% | 1.23% | 1.29% | 0.84% | 1.21% | -42 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.56% | 121.49% | 91.46% | 92.34% | 89.91% | +1,035 bps | |
| Liquid Assets / Assets | 25.46% | 0.02% | 21.40% | 17.53% | 24.41% | -105 bps | |