Seattle, WA · Charter 2785
Q3 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 1997, the quarter ended September 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Seattle, WA · Charter 2785
Q3 1997
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 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | n/a | 5.79% | 5.69% | 5.95% | 6.03% | 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) | 6.07% | 5.50% | 7.27% | 7.88% | 7.02% | +95 bps | |
| Loan Growth (YoY) | 2.24% | 5.74% | 7.67% | 8.70% | 6.23% | +399 bps | |
| Share Growth (YoY) | 4.16% | 3.89% | 5.23% | 5.97% | 5.01% | +86 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 1.29% | 1.42% | 1.33% | 1.45% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.67% | 1.62% | 1.84% | 1.65% | 1.69% | +2 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 | 88.62% | 89.65% | 84.78% | 86.22% | 89.65% | +102 bps | |
| Liquid Assets / Assets | 8.33% | 7.28% | 10.89% | 10.45% | 3.48% | -485 bps | |