Sunnyside, WA · Charter 68304
NCUA · 4 branches
Q4 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | -0.29% | 0.09% | 0.23% | 0.18% | -0.10% | 0.86% | 0.82% | +59 bps | |
| Return on Equity | 13.17% | -5.03% | 1.38% | 3.55% | 2.89% | -1.64% | 11.93% | 10.73% | +719 bps | |
| Net Interest Margin | 5.92% | 5.76% | 5.81% | 5.72% | 5.28% | 5.36% | 5.52% | 5.68% | -4 bps | |
| Efficiency Ratio | 78.51% | 79.65% | 77.20% | 74.97% | 76.15% | 77.56% | 72.27% | 76.65% | +168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.87% | -10.09% | -12.80% | -6.94% | -2.98% | -4.32% | -3.02% | -6.22% | +72 bps | |
| Loan Growth (YoY) | 18.72% | -6.59% | -11.83% | -7.24% | -1.26% | -0.28% | -1.55% | -7.57% | -33 bps | |
| Share Growth (YoY) | 20.97% | -5.96% | -9.84% | -6.97% | -3.30% | -4.59% | -3.02% | -6.63% | +34 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.56% | 0.74% | 0.67% | 0.73% | 0.39% | 0.34% | 0.35% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.18% | 3.17% | 3.07% | 2.91% | 3.05% | 2.93% | 2.72% | 2.60% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.98% | 5.77% | 6.21% | 6.38% | 6.22% | 6.36% | 7.22% | 7.62% | +124 bps | |
| Net Worth / Assets | 5.98% | 5.77% | 6.21% | 6.38% | 6.22% | 6.36% | 7.22% | 7.62% | +124 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.78% | 86.25% | 88.63% | 90.94% | 88.61% | 90.15% | 89.97% | 90.02% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |