Seattle, WA · Charter 68264
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Seattle, WA · Charter 68264
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.65% | -2.95% | -2.61% | -8.54% | -8.59% | -494 bps | |
| Return on Equity | -50.19% | -41.81% | -37.06% | -166.93% | -1335% | -128,524 bps | |
| Net Interest Margin | 3.63% | 3.63% | 3.82% | 3.74% | 4.59% | +96 bps | |
| Efficiency Ratio | 71.93% | 74.98% | 80.43% | 118.23% | 92.57% | +2,064 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.72% | -1.03% | -5.22% | -9.27% | -18.61% | -2,132 bps | |
| Loan Growth (YoY) | 3.78% | -2.56% | -8.96% | -10.04% | -18.23% | -2,201 bps | |
| Share Growth (YoY) | 6.71% | 2.09% | -3.24% | -7.65% | -12.97% | -1,968 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 12.31% | 12.39% | 14.11% | 17.91% | 15.69% | +338 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.23% | 3.98% | 4.36% | 5.76% | 9.68% | +646 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.28% | 7.06% | 7.05% | 5.12% | 0.64% | -664 bps | |
| Net Worth / Assets | 7.28% | 7.06% | 7.05% | 5.12% | 0.64% | -664 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.83% | 90.75% | 89.92% | 89.40% | 86.27% | -555 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |