Seattle, WA · Charter 68380
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 1.12% | 1.01% | 0.87% | 0.19% | -75 bps | |
| Return on Equity | 9.03% | 10.19% | 9.12% | 7.57% | 1.70% | -733 bps | |
| Net Interest Margin | 3.76% | 4.04% | 4.24% | 4.33% | 3.94% | +18 bps | |
| Efficiency Ratio | 71.21% | 72.89% | 75.63% | 78.79% | 88.33% | +1,712 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.08% | -1.08% | 2.03% | -0.20% | 0.06% | +214 bps | |
| Loan Growth (YoY) | 6.07% | -1.94% | -6.93% | -6.54% | -9.64% | -1,571 bps | |
| Share Growth (YoY) | -3.18% | -1.76% | 1.78% | -1.79% | -1.04% | +214 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.04% | 0.00% | 0.08% | 0.25% | +22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.23% | 0.22% | 0.32% | 0.38% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.36% | 11.04% | 11.09% | 11.52% | 10.99% | +64 bps | |
| Net Worth / Assets | 10.36% | 11.04% | 11.09% | 11.52% | 10.99% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.26% | 62.21% | 60.30% | 62.66% | 56.85% | -541 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |