Hoquiam, WA · Charter 68040
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hoquiam, WA · Charter 68040
Q4 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.58% | 3.85% | 2.74% | 3.16% | -0.49% | -507 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.59% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 94.21% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 4.23% | 3.07% | 9.91% | 2.94% | 0.57% | -366 bps | |
| Loan Growth (YoY) | 8.87% | -4.66% | -20.25% | -14.49% | -10.25% | -1,912 bps | |
| Share Growth (YoY) | 2.00% | 4.75% | 10.87% | 7.94% | 3.35% | +135 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.40% | 4.89% | 5.88% | 7.49% | 3.07% | -233 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 1.02% | 1.59% | 1.57% | 1.32% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.03% | 77.47% | 65.17% | 72.91% | 78.19% | -1,184 bps | |
| Liquid Assets / Assets | 6.04% | 17.87% | 25.41% | 24.38% | 16.05% | +1,001 bps | |