PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Washington Square

San Jose, CA · Charter 24276

Q2 1998

$343KAssets
$92KLoans
$300KShares
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 2.96%, down 141 bps year over year.
  • Asset quality: problem loans at 6.91% of loans (+43 bps YoY).
  • Funding: loans stand at 30.67% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

2.96%-141 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.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.37%4.16%4.39%4.14%2.96%-141 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)17.38%27.40%19.22%3.64%-3.89%-2,127 bps
Loan Growth (YoY)21.17%43.79%9.15%-1.76%-36.89%-5,806 bps
Share Growth (YoY)16.56%27.55%17.05%0.65%-6.89%-2,346 bps
Asset Quality
Delinquent Loans / Loans6.48%2.04%1.45%7.22%6.91%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.75%5.43%6.91%8.81%6.90%+116 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 / Shares45.25%49.04%50.44%40.59%30.67%-1,458 bps
Liquid Assets / Assets45.23%45.15%40.03%49.12%62.94%+1,772 bps