Yakima, WA · Charter 68198
NCUA · 1 branch
Q1 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2023, the quarter ended March 31, 2023, 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.
Yakima, WA · Charter 68198
NCUA · 1 branch
Q1 2023
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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.15% | 0.22% | 0.17% | -19.50% | -1,962 bps | |
| Return on Equity | 0.76% | 0.91% | 1.32% | 0.96% | -162.88% | -16,364 bps | |
| Net Interest Margin | 2.01% | 2.08% | 2.20% | 2.41% | -16.62% | -1,863 bps | |
| Efficiency Ratio | 97.37% | 94.95% | 92.55% | 92.90% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 10.78% | 5.03% | 1.18% | -6.03% | -3.40% | -1,418 bps | |
| Loan Growth (YoY) | 8.65% | 3.54% | 5.28% | -2.09% | 11.63% | +298 bps | |
| Share Growth (YoY) | 12.19% | 5.38% | 1.02% | -7.46% | 1.42% | -1,077 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.01% | 0.15% | 0.04% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.05% | 0.05% | 0.03% | 0.03% | 0.00% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.03% | 16.19% | 16.66% | 17.78% | 11.97% | -405 bps | |
| Net Worth / Assets | 16.03% | 16.19% | 16.66% | 17.78% | 11.97% | -405 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.27% | 63.21% | 66.50% | 71.41% | 69.64% | +637 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |