PackageTrendsPeer
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Alva

Tacoma, WA · Charter 5739

Q2 1998

$23.5MAssets
$15.0MLoans
$20.6MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.79%, down 38 bps year over year.
  • Asset quality: problem loans at 1.41% of loans (+91 bps YoY).
  • Funding: loans stand at 72.85% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

3.79%-38 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.17%4.17%3.63%4.08%3.79%-38 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)2.99%0.90%10.84%8.71%7.67%+468 bps
Loan Growth (YoY)29.31%18.28%16.26%12.05%3.46%-2,585 bps
Share Growth (YoY)0.93%-1.61%10.04%7.49%6.22%+530 bps
Asset Quality
Delinquent Loans / Loans0.50%1.11%0.53%1.65%1.41%+91 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.29%0.25%0.22%0.39%0.32%+3 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares74.80%80.73%77.01%78.50%72.85%-195 bps
Liquid Assets / Assets18.14%11.63%21.38%18.54%23.73%+559 bps