Tacoma, WA · Charter 68235
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tacoma, WA · Charter 68235
Q2 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.48% | -2.50% | -2.72% | -4.42% | -1.98% | +50 bps | |
| Return on Equity | -24.13% | -25.81% | -30.32% | -56.98% | -24.87% | -75 bps | |
| Net Interest Margin | 3.91% | 4.02% | 4.12% | 4.27% | 4.34% | +43 bps | |
| Efficiency Ratio | 128.96% | 137.58% | 140.70% | 100.34% | 85.51% | -4,345 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.24% | -1.67% | -1.95% | -2.12% | -1.43% | +182 bps | |
| Loan Growth (YoY) | -1.65% | 7.52% | 9.42% | 11.83% | 14.23% | +1,588 bps | |
| Share Growth (YoY) | -1.35% | -2.63% | -1.83% | -1.84% | -3.01% | -166 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.34% | 0.55% | 0.79% | 1.26% | +88 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.64% | 0.74% | 0.79% | 0.91% | +24 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.27% | 9.69% | 8.96% | 7.75% | 7.97% | -230 bps | |
| Net Worth / Assets | 10.27% | 9.69% | 8.96% | 7.75% | 7.97% | -230 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.57% | 81.55% | 82.76% | 81.58% | 85.47% | +1,290 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |