Tacoma, WA · Charter 68247
Q3 2002
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.19% | 0.17% | 0.52% | 0.50% | +13 bps | |
| Return on Equity | 6.02% | 3.16% | 2.81% | 8.33% | 7.60% | +158 bps | |
| Net Interest Margin | 5.00% | 4.78% | 4.75% | 4.89% | 4.99% | -1 bps | |
| Efficiency Ratio | 81.71% | 81.10% | 81.55% | 80.12% | 79.91% | -180 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.71% | -2.08% | -7.77% | -7.34% | 1.06% | +678 bps | |
| Loan Growth (YoY) | 11.84% | 8.22% | -11.96% | -20.96% | -25.20% | -3,704 bps | |
| Share Growth (YoY) | -9.28% | -3.57% | -1.14% | 3.61% | 3.72% | +1,300 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 1.41% | 1.59% | 0.99% | 0.84% | -6 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.60% | 1.64% | 1.89% | 1.77% | 1.85% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.11% | 6.00% | 6.13% | 6.28% | 6.60% | +49 bps | |
| Net Worth / Assets | 6.11% | 6.00% | 6.13% | 6.28% | 6.60% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.03% | 72.57% | 67.04% | 60.85% | 59.87% | -2,315 bps | |
| Liquid Assets / Assets | 8.41% | 119.24% | 23.29% | 15.44% | 14.53% | +612 bps | |