Seattle, WA · Charter 68362
NCUA · 6 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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 68362
NCUA · 6 branches
Q2 2019
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.89% | 0.78% | 1.18% | 1.12% | +32 bps | |
| Return on Equity | 7.82% | 8.66% | 7.51% | 11.57% | 10.65% | +282 bps | |
| Net Interest Margin | 2.79% | 2.85% | 2.91% | 3.08% | 3.13% | +34 bps | |
| Efficiency Ratio | 69.70% | 68.12% | 69.79% | 63.03% | 63.32% | -638 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.18% | 5.74% | 5.30% | 6.93% | 6.14% | +97 bps | |
| Loan Growth (YoY) | 11.85% | 12.89% | 8.44% | 10.40% | 6.21% | -563 bps | |
| Share Growth (YoY) | 4.89% | 5.41% | 5.39% | 6.90% | 5.59% | +69 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.39% | 0.34% | 0.33% | 0.35% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.39% | 0.42% | 0.43% | 0.47% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.17% | 10.32% | 10.36% | 10.22% | 10.52% | +34 bps | |
| Net Worth / Assets | 10.17% | 10.32% | 10.36% | 10.22% | 10.52% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.21% | 94.71% | 94.91% | 93.35% | 93.77% | +56 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |