Olympia, WA · Charter 68220
NCUA · 1 branch
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 7.20% | 4.13% | 3.06% | 2.48% | 1.28% | 1.11% | 1.08% | -198 bps | |
| Return on Equity | 10.55% | 92.02% | 51.07% | 36.93% | 29.61% | 16.04% | 14.65% | 13.32% | -2,361 bps | |
| Net Interest Margin | 3.56% | 3.46% | 3.60% | 3.69% | 3.74% | 3.82% | 3.66% | 3.78% | +9 bps | |
| Efficiency Ratio | 84.60% | 31.88% | 45.45% | 53.49% | 58.96% | 74.37% | 75.99% | 77.44% | +2,395 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | 14.08% | 14.93% | 11.45% | 10.38% | 11.54% | 22.16% | 16.51% | +506 bps | |
| Loan Growth (YoY) | 14.11% | 15.10% | 15.82% | 21.04% | 28.63% | 37.49% | 48.88% | -2.79% | -2,383 bps | |
| Share Growth (YoY) | 8.05% | 12.29% | 12.52% | 9.29% | 4.91% | 6.80% | 17.53% | 11.16% | +187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.55% | 0.38% | 0.43% | 0.16% | 0.09% | 0.09% | 0.35% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.75% | 0.61% | 0.54% | 0.43% | 0.34% | 0.30% | 0.42% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.52% | 7.82% | 8.09% | 8.27% | 8.39% | 7.99% | 7.56% | 8.11% | -17 bps | |
| Net Worth / Assets | 6.52% | 7.82% | 8.09% | 8.27% | 8.39% | 7.99% | 7.56% | 8.11% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.67% | 78.50% | 84.44% | 90.62% | 100.13% | 101.06% | 106.96% | 79.25% | -1,137 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |