Wenatchee, WA · Charter 68263
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Wenatchee, WA · Charter 68263
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | -1.81% | -1.34% | -7.09% | -10.32% | -1,035 bps | |
| Return on Equity | 0.34% | -27.01% | -19.54% | -131.36% | -435% | -43,527 bps | |
| Net Interest Margin | 5.16% | 5.23% | 5.28% | 5.10% | 5.36% | +20 bps | |
| Efficiency Ratio | 76.27% | 79.30% | 80.22% | 90.30% | 184.84% | +10,858 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.54% | 3.41% | 2.72% | -6.04% | -13.53% | -1,507 bps | |
| Loan Growth (YoY) | -6.50% | -7.16% | -7.44% | -14.41% | -25.46% | -1,896 bps | |
| Share Growth (YoY) | 1.67% | 5.61% | 4.66% | -3.28% | -8.61% | -1,029 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.99% | 1.32% | 3.84% | 2.95% | 1.64% | -35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 2.67% | 2.72% | 4.55% | 3.61% | +282 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.80% | 6.68% | 6.85% | 5.40% | 2.37% | -543 bps | |
| Net Worth / Assets | 7.80% | 6.68% | 6.85% | 5.40% | 2.37% | -543 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.81% | 78.07% | 75.96% | 70.40% | 62.65% | -1,416 bps | |
| Liquid Assets / Assets | 14.96% | 10.57% | 11.61% | 15.48% | 21.27% | +631 bps | |