Longview, WA · Charter 68262
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Longview, WA · Charter 68262
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | -0.34% | -0.11% | -0.07% | -0.08% | +17 bps | |
| Return on Equity | -2.81% | -3.93% | -1.24% | -0.78% | -0.90% | +191 bps | |
| Net Interest Margin | 2.92% | 2.92% | 2.93% | 2.92% | 2.84% | -8 bps | |
| Efficiency Ratio | 96.92% | 94.99% | 93.37% | 95.30% | 102.30% | +538 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.18% | 2.29% | 0.05% | 0.22% | -1.61% | -478 bps | |
| Loan Growth (YoY) | 21.96% | 2.70% | -3.64% | -2.47% | -4.74% | -2,670 bps | |
| Share Growth (YoY) | 3.51% | 2.38% | -0.01% | 0.34% | -1.70% | -521 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.85% | 0.10% | 0.29% | 0.27% | 0.37% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 1.03% | 1.02% | 0.90% | 1.12% | +35 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.76% | 8.72% | 8.89% | 8.90% | 8.87% | +12 bps | |
| Net Worth / Assets | 8.76% | 8.72% | 8.89% | 8.90% | 8.87% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.87% | 57.34% | 57.23% | 56.87% | 55.11% | -176 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |