Spokane, WA · Charter 68237
NCUA · 12 branches
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, 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.
Spokane, WA · Charter 68237
NCUA · 12 branches
Q2 2022
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 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.86% | 0.84% | 0.32% | 0.21% | -70 bps | |
| Return on Equity | 10.65% | 10.07% | 9.84% | 3.74% | 2.56% | -808 bps | |
| Net Interest Margin | 3.32% | 3.30% | 3.25% | 3.36% | 3.36% | +3 bps | |
| Efficiency Ratio | 75.68% | 76.98% | 77.59% | 91.43% | 94.21% | +1,853 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.96% | 14.27% | 12.97% | 9.21% | 9.30% | -466 bps | |
| Loan Growth (YoY) | 12.57% | 16.38% | 17.91% | 17.93% | 22.26% | +969 bps | |
| Share Growth (YoY) | 14.98% | 13.78% | 13.78% | 10.06% | 7.20% | -778 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.41% | 0.43% | 0.29% | 0.42% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.04% | 0.96% | 0.92% | 0.82% | 0.72% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.61% | 8.58% | 8.53% | 8.51% | 8.38% | -23 bps | |
| Net Worth / Assets | 8.61% | 8.58% | 8.53% | 8.51% | 8.38% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.41% | 83.00% | 83.60% | 86.02% | 90.57% | +1,116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |