PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Western Waxed Paper Employees

Portland, OR · Charter 63623

Q2 1999

$2.9MAssets
$588KLoans
$2.4MShares
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 2.24%, down 158 bps year over year.
  • Asset quality: problem loans at 0.54% of loans (+50 bps YoY).
  • Funding: loans stand at 24.91% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

2.24%-158 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 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets3.82%3.61%3.15%3.18%2.24%-158 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)-17.42%-11.95%-11.79%-10.42%-13.32%+410 bps
Loan Growth (YoY)-34.28%-39.86%-49.11%-48.50%-54.24%-1,996 bps
Share Growth (YoY)-21.30%-15.02%-14.88%-13.40%-15.62%+568 bps
Asset Quality
Delinquent Loans / Loans0.04%0.25%0.38%0.00%0.54%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%1.57%1.69%1.93%2.52%+158 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 / Shares45.93%39.09%30.49%30.22%24.91%-2,102 bps
Liquid Assets / Assets57.49%63.18%71.00%71.75%77.62%+2,013 bps