PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Westmark

Idaho Falls, ID · Charter 24095

Q1 1998

$129.6MAssets
$86.5MLoans
$117.2MShares
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 4.02%, down 28 bps year over year.
  • Asset quality: problem loans at 0.30% of loans (+15 bps YoY).
  • Funding: loans stand at 73.79% of shares as of Q1 1998.

Financial Results

Return on Assets (YTD, annualized)

4.02%-28 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.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998YoY ΔTrend
Earnings
Return on Assets4.31%4.45%4.56%4.71%4.02%-28 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)4.52%4.95%6.50%7.07%8.23%+370 bps
Loan Growth (YoY)9.96%9.56%11.78%2.30%6.15%-381 bps
Share Growth (YoY)2.56%3.66%4.49%6.00%7.14%+458 bps
Asset Quality
Delinquent Loans / Loans0.16%0.21%0.14%0.28%0.30%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.98%0.94%0.89%0.92%0.87%-11 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 / Shares74.48%78.83%80.15%75.73%73.79%-69 bps
Liquid Assets / Assets8.05%4.24%6.00%9.52%12.15%+410 bps