Spokane, WA · Charter 68237
NCUA · 12 branches
Q2 2022
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.36% | 0.90% | 0.92% | 0.86% | 0.84% | 0.32% | 0.21% | -70 bps | |
| Return on Equity | 3.39% | 4.16% | 10.52% | 10.65% | 10.07% | 9.84% | 3.74% | 2.56% | -808 bps | |
| Net Interest Margin | 3.42% | 3.35% | 3.28% | 3.32% | 3.30% | 3.25% | 3.36% | 3.36% | +3 bps | |
| Efficiency Ratio | 80.34% | 80.93% | 74.58% | 75.68% | 76.98% | 77.59% | 91.43% | 94.21% | +1,853 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.34% | 13.04% | 19.54% | 13.96% | 14.27% | 12.97% | 9.21% | 9.30% | -466 bps | |
| Loan Growth (YoY) | -1.99% | 3.80% | 9.54% | 12.57% | 16.38% | 17.91% | 17.93% | 22.26% | +969 bps | |
| Share Growth (YoY) | 17.95% | 19.76% | 22.12% | 14.98% | 13.78% | 13.78% | 10.06% | 7.20% | -778 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 1.23% | 1.02% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.05% | 1.06% | 1.04% | 0.96% | 0.92% | 0.82% | 0.72% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.91% | 8.69% | 8.53% | 8.61% | 8.58% | 8.53% | 8.51% | 8.38% | -23 bps | |
| Net Worth / Assets | 8.91% | 8.69% | 8.53% | 8.61% | 8.58% | 8.53% | 8.51% | 8.38% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.14% | 80.67% | 80.28% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |