Vancouver, WA · Charter 68268
NCUA · 3 branches
Q1 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.14% | 1.28% | 0.71% | 0.52% | -0.53% | +61 bps | |
| Return on Equity | -11.46% | 11.61% | 6.77% | 4.85% | -5.44% | +601 bps | |
| Net Interest Margin | 3.98% | 3.61% | 3.36% | 3.35% | 2.53% | -145 bps | |
| Efficiency Ratio | 114.91% | 73.25% | 79.72% | 87.30% | 114.09% | -82 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.15% | -3.30% | -3.29% | -3.41% | 13.31% | +2,045 bps | |
| Loan Growth (YoY) | -8.20% | -19.65% | -20.13% | -22.02% | -28.31% | -2,011 bps | |
| Share Growth (YoY) | -6.10% | -3.42% | -3.60% | -4.51% | 13.90% | +2,000 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.54% | 0.59% | 1.03% | 0.69% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.34% | 1.20% | 0.96% | 0.98% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.97% | 11.01% | 10.54% | 10.77% | 9.70% | -27 bps | |
| Net Worth / Assets | 9.97% | 11.01% | 10.54% | 10.77% | 9.70% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.12% | 62.63% | 57.25% | 54.80% | 42.88% | -2,524 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |