Yakima, WA · Charter 68236
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 1.20% | -0.17% | -4.11% | -4.35% | -527 bps | |
| Return on Equity | 14.38% | 18.76% | -2.91% | -104.97% | -130.63% | -14,501 bps | |
| Net Interest Margin | 4.16% | 4.37% | 6.99% | 6.47% | 6.87% | +271 bps | |
| Efficiency Ratio | 79.49% | 73.86% | 55.31% | 62.26% | 66.65% | -1,284 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 58.88% | 68.83% | 45.57% | 10.89% | -12.50% | -7,138 bps | |
| Loan Growth (YoY) | 68.55% | 77.20% | 57.82% | 6.03% | -17.76% | -8,632 bps | |
| Share Growth (YoY) | 67.41% | 74.25% | 48.65% | 15.99% | -4.79% | -7,220 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.87% | 0.53% | 1.60% | 0.02% | 3.29% | +242 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.45% | 2.47% | 4.28% | 4.93% | +410 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.35% | 6.40% | 5.72% | 3.91% | 3.33% | -302 bps | |
| Net Worth / Assets | 6.35% | 6.40% | 5.72% | 3.91% | 3.33% | -302 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.49% | 91.96% | 85.22% | 81.94% | 83.34% | -1,315 bps | |
| Liquid Assets / Assets | 10.29% | 10.46% | 14.58% | 14.92% | 14.01% | +372 bps | |