Vancouver, WA · Charter 68405
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 0.54% | 0.55% | 0.57% | 0.49% | -39 bps | |
| Return on Equity | 7.20% | 4.53% | 4.42% | 4.55% | 3.92% | -328 bps | |
| Net Interest Margin | 4.20% | 3.71% | 3.86% | 3.82% | 3.77% | -42 bps | |
| Efficiency Ratio | 75.78% | 82.96% | 81.37% | 82.19% | 82.91% | +713 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.33% | 8.33% | 6.04% | 4.24% | 1.64% | -69 bps | |
| Loan Growth (YoY) | -4.62% | -4.85% | -6.64% | -7.88% | -6.38% | -176 bps | |
| Share Growth (YoY) | 1.54% | 8.18% | 6.33% | 4.45% | 1.62% | +8 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.27% | 1.41% | 0.66% | 0.86% | +54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.50% | 0.65% | 0.59% | 0.65% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.23% | 11.92% | 12.34% | 12.47% | 12.46% | +23 bps | |
| Net Worth / Assets | 12.23% | 11.92% | 12.34% | 12.47% | 12.46% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.69% | 69.62% | 70.65% | 69.10% | 67.90% | -580 bps | |
| Liquid Assets / Assets | 20.48% | 22.86% | 12.81% | 13.16% | 12.29% | -819 bps | |