Tacoma, WA · Charter 3654
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Tacoma, WA · Charter 3654
Q2 1999
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.95% | 3.08% | 2.80% | 2.67% | 2.02% | -94 bps | |
| 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) | -3.61% | 4.66% | -0.09% | 3.01% | 0.48% | +409 bps | |
| Loan Growth (YoY) | -13.44% | -7.89% | -3.36% | 0.95% | -0.47% | +1,297 bps | |
| Share Growth (YoY) | -4.84% | 4.85% | -0.21% | 2.90% | 0.53% | +537 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.84% | 1.38% | 1.72% | 2.18% | 1.43% | -42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.61% | 1.39% | 1.65% | 1.55% | 1.72% | +11 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 | 68.06% | 68.42% | 65.35% | 66.93% | 67.38% | -68 bps | |
| Liquid Assets / Assets | 36.34% | 34.77% | 38.21% | 37.03% | 36.87% | +53 bps | |