Seattle, WA · Charter 24467
Q3 1997
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | n/a | 4.09% | 3.96% | 4.05% | 4.04% | n/a | |
| 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) | 4.98% | 5.31% | 6.29% | 4.43% | 5.95% | +98 bps | |
| Loan Growth (YoY) | 13.41% | 11.37% | 8.58% | 5.23% | 2.28% | -1,112 bps | |
| Share Growth (YoY) | 6.77% | 6.16% | 6.93% | 5.12% | 4.73% | -204 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 1.90% | 1.66% | 1.42% | 1.82% | +84 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.49% | 0.63% | 0.68% | 0.72% | +20 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 | 91.56% | 92.45% | 87.90% | 91.49% | 89.42% | -214 bps | |
| Liquid Assets / Assets | 7.83% | 5.53% | 10.98% | 8.28% | 10.50% | +267 bps | |