PackageTrendsPeer
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United Sound Community

Poulsbo, WA · Charter 68208

Q4 2000

$6.4MAssets
$4.3MLoans
$5.6MShares
$784KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.77%, down 249 bps year over year; NIM at 5.13%.
  • Asset quality: problem loans at 0.49% of loans (-57 bps YoY).
  • Capital: net worth / assets of 12.16%.
  • Funding: loans stand at 75.35% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.77%-249 bps YoY

Net Interest Margin (YTD, annualized)

5.13%

Efficiency Ratio (YTD, annualized)

86.56%

Net Worth / Assets

12.16%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.26%3.07%0.66%0.49%0.77%-249 bps
Return on Equityn/an/an/an/a6.31%n/an/a
Net Interest Marginn/an/a4.51%4.68%5.13%n/a
Efficiency Ration/an/a87.29%90.35%86.56%n/a
Growth
Asset Growth (YoY)n/a8.19%-2.75%-2.72%-13.29%n/a
Loan Growth (YoY)n/a-12.31%-9.81%-19.12%-16.61%n/a
Share Growth (YoY)n/a8.01%-4.16%-3.79%-15.65%n/a
Asset Quality
Delinquent Loans / Loans1.06%0.53%0.48%0.33%0.49%-57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%0.80%0.77%0.56%0.29%-67 bps
Capital
Risk-Based Capitaln/an/an/an/a12.16%n/an/a
Net Worth / Assetsn/an/an/an/a12.16%n/an/a
Liquidity & Funding
Loans / Shares76.22%74.01%72.13%72.56%75.35%-87 bps
Liquid Assets / Assets24.57%30.74%2.79%10.15%31.07%+650 bps