Renton, WA · Charter 68308
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.69% | 0.70% | 0.71% | 0.77% | +10 bps | |
| Return on Equity | 4.33% | 4.33% | 4.36% | 4.40% | 4.84% | +50 bps | |
| Net Interest Margin | 3.76% | 3.84% | 3.85% | 3.81% | 3.73% | -3 bps | |
| Efficiency Ratio | 79.93% | 79.77% | 79.26% | 78.10% | 76.45% | -348 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.07% | 1.79% | 1.74% | -0.12% | 1.29% | +137 bps | |
| Loan Growth (YoY) | -3.40% | -6.71% | -6.48% | -3.27% | -5.13% | -172 bps | |
| Share Growth (YoY) | -0.75% | 1.08% | 0.64% | -1.60% | 0.05% | +80 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.12% | 0.14% | 0.22% | 0.11% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.44% | 0.49% | 0.62% | 0.62% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.47% | 15.91% | 16.03% | 16.23% | 16.01% | +54 bps | |
| Net Worth / Assets | 15.47% | 15.91% | 16.03% | 16.23% | 16.01% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.76% | 71.78% | 71.65% | 72.78% | 69.00% | -376 bps | |
| Liquid Assets / Assets | 11.47% | 9.30% | 12.55% | 10.10% | 22.20% | +1,074 bps | |