Tacoma, WA · Charter 68310
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Tacoma, WA · Charter 68310
Q4 2009
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.32% | -6.76% | -4.32% | -16.34% | -10.50% | -1,082 bps | |
| Return on Equity | 2.36% | -57.46% | -36.56% | -548% | -184.98% | -18,734 bps | |
| Net Interest Margin | 3.29% | 2.98% | 2.80% | 3.05% | 3.12% | -17 bps | |
| Efficiency Ratio | 80.10% | 91.54% | 112.16% | 110.07% | 121.42% | +4,132 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.11% | -4.25% | 4.24% | -5.64% | -14.04% | -1,293 bps | |
| Loan Growth (YoY) | -0.20% | -1.50% | -4.05% | -7.72% | -14.65% | -1,445 bps | |
| Share Growth (YoY) | -0.72% | -2.41% | 7.50% | 6.63% | -5.76% | -503 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.26% | 1.79% | 2.73% | 16.68% | 10.07% | +881 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 0.66% | 0.61% | 10.08% | 6.04% | +541 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.53% | 11.76% | 11.82% | 2.98% | 5.68% | -785 bps | |
| Net Worth / Assets | 13.53% | 11.76% | 11.82% | 2.98% | 5.68% | -785 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.28% | 84.69% | 82.37% | 79.08% | 82.67% | -861 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |