PackageTrendsPeer
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WA-Two

Walla Walla, WA · Charter 5837

Q4 1999

$6.6MAssets
$5.0MLoans
$6.3MShares
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 0.67%, down 105 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 1.91% of loans (-68 bps YoY).
  • Funding: loans stand at 79.63% of shares as of Q4 1999.

Financial Results

Return on Assets (quarter, annualized)

0.67%-105 bps YoY

Net Interest Margin (quarter, annualized)

3.68%

Efficiency Ratio (quarter, annualized)

85.51%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.71%2.29%2.38%3.01%0.67%-105 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.68%n/an/a
Efficiency Ration/an/an/an/a85.51%n/an/a
Growth
Asset Growth (YoY)-15.21%-16.79%2.18%14.17%16.75%+3,196 bps
Loan Growth (YoY)-15.53%-16.45%-6.23%5.86%12.17%+2,770 bps
Share Growth (YoY)-13.38%-15.32%3.61%16.14%17.63%+3,102 bps
Asset Quality
Delinquent Loans / Loans2.59%0.51%0.62%0.34%1.91%-68 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%1.06%1.11%0.80%0.85%+12 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 / Shares83.51%70.65%74.02%78.64%79.63%-388 bps
Liquid Assets / Assets8.85%17.67%20.36%14.39%13.11%+426 bps