Edmonds, WA · Charter 68207
Q4 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.24% | 0.20% | 0.24% | -0.89% | -113 bps | |
| Return on Equity | 1.68% | 1.65% | 1.38% | 1.63% | -6.09% | -777 bps | |
| Net Interest Margin | 3.41% | 3.39% | 3.46% | 3.52% | 3.11% | -30 bps | |
| Efficiency Ratio | 92.82% | 93.29% | 94.36% | 93.39% | 127.76% | +3,494 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.28% | -10.39% | -9.75% | -5.98% | -8.36% | +392 bps | |
| Loan Growth (YoY) | -11.12% | -3.76% | -8.70% | -11.60% | -12.12% | -100 bps | |
| Share Growth (YoY) | -14.23% | -12.33% | -11.30% | -7.34% | -8.80% | +543 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.04% | 2.42% | 1.55% | 0.00% | 0.00% | -204 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.30% | 1.31% | 1.38% | 1.42% | 1.48% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.19% | 14.29% | 14.51% | 14.72% | 14.61% | +42 bps | |
| Net Worth / Assets | 14.19% | 14.29% | 14.51% | 14.72% | 14.61% | +42 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.17% | 63.46% | 60.68% | 60.12% | 60.88% | -230 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |