Spokane, WA · Charter 24729
NCUA
Q1 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.34% | 0.28% | 0.45% | 0.48% | 0.62% | 0.61% | 0.50% | +5 bps | |
| Return on Equity | 3.58% | 2.92% | 2.47% | 4.08% | 4.22% | 5.51% | 5.32% | 4.16% | +8 bps | |
| Net Interest Margin | 3.53% | 3.55% | 3.51% | 3.62% | 3.74% | 3.57% | 3.52% | 3.20% | -42 bps | |
| Efficiency Ratio | 90.16% | 92.31% | 93.11% | 86.94% | 88.55% | 85.41% | 86.44% | 87.91% | +97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.90% | -2.91% | -0.09% | 5.09% | 2.75% | 6.57% | 4.70% | -2.44% | -752 bps | |
| Loan Growth (YoY) | -3.54% | 2.70% | 11.66% | 10.05% | 7.18% | 6.04% | -7.12% | -13.13% | -2,318 bps | |
| Share Growth (YoY) | -7.16% | -3.98% | -0.69% | 6.98% | 3.16% | 7.43% | 4.80% | -2.66% | -965 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.54% | 0.08% | 0.00% | 0.28% | 0.45% | 0.49% | 0.30% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.46% | 0.43% | 0.43% | 0.43% | 0.43% | 0.21% | 0.21% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.44% | 11.48% | 11.35% | 11.11% | 11.46% | 11.27% | 11.45% | 12.03% | +92 bps | |
| Net Worth / Assets | 11.44% | 11.48% | 11.35% | 11.11% | 11.46% | 11.27% | 11.45% | 12.03% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.84% | 77.32% | 80.82% | 78.97% | 80.87% | 76.32% | 71.63% | 70.48% | -849 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |