PackageTrendsPeer
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Seattle Pacific

Seattle, WA · Charter 68209

Q2 1999

$6.6MAssets
$3.3MLoans
$6.3MShares
n/aNet 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 3.21%, up 48 bps year over year.
  • Asset quality: problem loans at 0.18% of loans (-137 bps YoY).
  • Funding: loans stand at 52.60% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.21%+48 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999YoY ΔTrend
Earnings
Return on Assets2.74%2.53%2.84%3.24%3.21%+48 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a71.79%91.36%n/a
Loan Growth (YoY)n/an/an/a7.37%14.28%n/a
Share Growth (YoY)n/an/an/a77.27%99.12%n/a
Asset Quality
Delinquent Loans / Loans1.55%0.80%0.61%0.23%0.18%-137 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.90%0.59%0.56%0.62%0.57%-33 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares91.65%80.96%50.26%47.60%52.60%-3,905 bps
Liquid Assets / Assets4.51%10.82%45.30%44.16%42.01%+3,751 bps