PackageTrendsPeer
Letter portraitLegal landscape

United Health Services Credit Union

Spokane, WA · Charter 68206

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

United Health Services Credit Union

Spokane, WA · Charter 68206

Q3 2015

$100.7MAssets
$43.1MLoans
$88.4MShares
$10.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.72%, up 48 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.36% of loans (-67 bps YoY).
  • Capital: net worth / assets of 10.42%, up 38 bps from a year ago.
  • Funding: loans stand at 48.82% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.72%+48 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-10 bps YoY

Efficiency Ratio (YTD, annualized)

84.23%-996 bps YoY

Net Worth / Assets

10.42%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.41%0.15%0.22%0.24%0.18%2.03%1.17%0.72%+48 bps
Return on Equity4.23%1.53%2.24%2.35%1.79%20.09%11.34%6.87%+452 bps
Net Interest Margin2.71%2.73%2.80%2.81%2.84%2.61%2.64%2.71%-10 bps
Efficiency Ratio86.60%91.45%93.46%94.19%94.26%70.43%78.16%84.23%-996 bps
Growth
Asset Growth (YoY)5.58%2.24%0.51%-2.78%-2.41%2.52%2.86%1.58%+436 bps
Loan Growth (YoY)5.23%2.17%-0.91%-0.83%-5.05%-5.62%-4.31%-0.08%+76 bps
Share Growth (YoY)5.17%1.60%-0.55%-3.67%-3.07%2.44%3.04%1.37%+504 bps
Asset Quality
Delinquent Loans / Loans0.09%0.04%1.00%1.04%1.09%0.26%0.32%0.36%-67 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.70%0.77%0.63%0.58%0.63%0.66%0.59%0.59%+2 bps
Capital
Risk-Based Capital9.66%9.69%9.93%10.04%10.08%10.09%10.31%10.42%+38 bps
Net Worth / Assets9.66%9.69%9.93%10.04%10.08%10.09%10.31%10.42%+38 bps
Liquidity & Funding
Loans / Shares49.44%48.58%49.82%49.53%48.43%44.75%46.26%48.82%-71 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps