Spokane, WA · Charter 5700
NCUA · 1 branch
Q3 2018
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.80% | -0.89% | -0.95% | -1.20% | -1.21% | -42 bps | |
| Return on Equity | -10.87% | -12.36% | -13.72% | -17.93% | -16.26% | -539 bps | |
| Net Interest Margin | 2.22% | 2.28% | 2.17% | 2.20% | 2.55% | +33 bps | |
| Efficiency Ratio | 124.26% | 126.61% | 117.62% | 131.76% | 128.84% | +458 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.69% | -16.85% | -19.02% | -18.52% | -15.67% | -97 bps | |
| Loan Growth (YoY) | -14.27% | -16.42% | -19.89% | -11.17% | -13.46% | +81 bps | |
| Share Growth (YoY) | -13.56% | -16.49% | -18.38% | -18.83% | -15.77% | -222 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.02% | 3.18% | 2.53% | 2.33% | 2.12% | -189 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.31% | 0.48% | 0.41% | 0.40% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.33% | 7.20% | 6.95% | 6.71% | 7.46% | +13 bps | |
| Net Worth / Assets | 7.33% | 7.20% | 6.95% | 6.71% | 7.46% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.95% | 52.93% | 50.05% | 51.96% | 57.48% | +154 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |