Spokane, WA · Charter 68292
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | 0.00% | -0.08% | -0.52% | -0.72% | -75 bps | |
| Return on Equity | 0.27% | 0.04% | -0.93% | -6.41% | -8.95% | -922 bps | |
| Net Interest Margin | 2.95% | 2.92% | 2.87% | 2.49% | 2.48% | -48 bps | |
| Efficiency Ratio | 99.73% | 100.70% | 101.38% | 114.18% | 119.80% | +2,007 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.73% | -7.74% | -3.78% | 6.76% | 6.15% | +1,489 bps | |
| Loan Growth (YoY) | -11.94% | -10.73% | -11.24% | -9.25% | -8.30% | +365 bps | |
| Share Growth (YoY) | -9.27% | -8.20% | -4.13% | 7.79% | 7.15% | +1,642 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.51% | 1.14% | 0.87% | 1.23% | 0.92% | -159 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.25% | 0.26% | 0.26% | 0.27% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.06% | 9.08% | 8.81% | 8.18% | 8.08% | -98 bps | |
| Net Worth / Assets | 9.06% | 9.08% | 8.81% | 8.18% | 8.08% | -98 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.76% | 73.87% | 69.74% | 64.63% | 63.99% | -1,078 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |