Yakima, WA · Charter 68198
NCUA · 1 branch
Q1 2023
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.95% | 0.84% | 0.12% | 0.15% | 0.22% | 0.17% | -19.50% | -1,962 bps | |
| Return on Equity | 5.00% | 5.71% | 5.09% | 0.76% | 0.91% | 1.32% | 0.96% | -162.88% | -16,364 bps | |
| Net Interest Margin | 2.11% | 2.07% | 2.09% | 2.01% | 2.08% | 2.20% | 2.41% | -16.62% | -1,863 bps | |
| Efficiency Ratio | 79.13% | 73.43% | 77.68% | 97.37% | 94.95% | 92.55% | 92.90% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.94% | 10.90% | 13.79% | 10.78% | 5.03% | 1.18% | -6.03% | -3.40% | -1,418 bps | |
| Loan Growth (YoY) | 11.76% | 17.45% | 7.23% | 8.65% | 3.54% | 5.28% | -2.09% | 11.63% | +298 bps | |
| Share Growth (YoY) | 13.19% | 12.10% | 15.58% | 12.19% | 5.38% | 1.02% | -7.46% | 1.42% | -1,077 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.27% | 0.08% | 0.05% | 0.05% | 0.03% | 0.03% | 0.00% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.48% | 16.55% | 16.55% | 16.03% | 16.19% | 16.66% | 17.78% | 11.97% | -405 bps | |
| Net Worth / Assets | 16.48% | 16.55% | 16.55% | 16.03% | 16.19% | 16.66% | 17.78% | 11.97% | -405 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.33% | 63.81% | 67.49% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |