PackageTrendsPeer
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Del Monte Northwest

Yakima, WA · Charter 6066

Q4 1998

$2.0MAssets
$1.9MLoans
$1.8MShares
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 2.42%, down 170 bps year over year.
  • Asset quality: problem loans at 3.01% of loans (+243 bps YoY).
  • Funding: loans stand at 101.78% of shares as of Q4 1998.

Financial Results

Return on Assets (YTD, annualized)

2.42%-170 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.

MetricQ4 1996Q2 1997Q4 1997Q2 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.13%3.78%3.73%1.91%2.42%-170 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)-1.16%9.78%4.72%3.72%-5.28%-412 bps
Loan Growth (YoY)-2.52%-8.59%18.01%23.76%13.15%+1,567 bps
Share Growth (YoY)-0.72%8.93%3.64%0.41%-4.49%-376 bps
Asset Quality
Delinquent Loans / Loans0.58%0.70%0.80%1.31%3.01%+243 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.99%0.74%0.58%1.53%+86 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 / Shares85.91%81.47%96.52%104.31%101.78%+1,587 bps
Liquid Assets / Assets16.67%23.93%11.70%4.72%5.05%-1,163 bps