Seattle, WA · Charter 68294
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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 68294
Q1 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.16% | -0.73% | -0.64% | -0.84% | -5.06% | -390 bps | |
| Return on Equity | -12.91% | -7.57% | -6.38% | -8.68% | -56.83% | -4,393 bps | |
| Net Interest Margin | 3.72% | 4.29% | 4.42% | 4.48% | 3.48% | -24 bps | |
| Efficiency Ratio | 115.03% | 115.44% | 115.53% | 118.99% | 183.71% | +6,868 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.69% | -19.66% | -18.02% | -18.78% | -22.54% | -1,185 bps | |
| Loan Growth (YoY) | -17.73% | -16.26% | -12.96% | -11.68% | -12.21% | +551 bps | |
| Share Growth (YoY) | -11.57% | -20.66% | -18.03% | -21.98% | -22.78% | -1,121 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 1.06% | 1.32% | 1.23% | 0.73% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.39% | 0.72% | 0.58% | 0.41% | 0.53% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.99% | 9.67% | 10.06% | 9.72% | 8.91% | -8 bps | |
| Net Worth / Assets | 8.99% | 9.67% | 10.06% | 9.72% | 8.91% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.68% | 88.65% | 93.14% | 95.00% | 90.58% | +1,091 bps | |
| Liquid Assets / Assets | 17.19% | 0.00% | 0.00% | 0.00% | 0.00% | -1,719 bps | |