Seattle, WA · Charter 68339
Q1 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.27% | -1.32% | -3.13% | -3.20% | -2.30% | -2 bps | |
| Return on Equity | -24.50% | -13.99% | -38.16% | -40.83% | -32.26% | -776 bps | |
| Net Interest Margin | 3.28% | 3.23% | 3.51% | 3.50% | 3.37% | +9 bps | |
| Efficiency Ratio | 97.28% | 93.68% | 129.00% | 123.17% | 185.14% | +8,786 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 194.58% | 170.47% | 158.00% | -11.88% | -13.58% | -20,816 bps | |
| Loan Growth (YoY) | 148.28% | 153.51% | 156.68% | -9.79% | -5.80% | -15,408 bps | |
| Share Growth (YoY) | 206% | 175.33% | 167.20% | -9.60% | -10.91% | -21,729 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.53% | 3.70% | 3.33% | 2.85% | 3.48% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.66% | 2.27% | 2.04% | 2.44% | +173 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.28% | 9.43% | 8.21% | 7.83% | 7.12% | -216 bps | |
| Net Worth / Assets | 9.28% | 9.43% | 8.21% | 7.83% | 7.12% | -216 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.53% | 60.46% | 61.33% | 60.98% | 61.89% | +336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |