PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pse-Northern

Bellingham, WA · Charter 68217

Q2 1999

$3.7MAssets
$3.0MLoans
$3.4MShares
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 3.98%, down 125 bps year over year.
  • Asset quality: problem loans at 0.62% of loans (-15 bps YoY).
  • Funding: loans stand at 89.38% of shares as of Q2 1999.

Financial Results

Return on Assets (YTD, annualized)

3.98%-125 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 Assets5.22%4.37%4.60%4.51%3.98%-125 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/an/a19.33%n/an/a
Loan Growth (YoY)n/an/an/an/a16.29%n/an/a
Share Growth (YoY)n/an/an/an/a22.36%n/an/a
Asset Quality
Delinquent Loans / Loans0.78%2.27%1.38%0.56%0.62%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.08%0.47%0.29%0.57%0.32%+24 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 / Shares94.05%94.20%96.61%96.23%89.38%-467 bps
Liquid Assets / Assets1.18%7.88%4.14%12.48%7.15%+597 bps