Olympia, WA · Charter 68528
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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.
Olympia, WA · Charter 68528
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | -3.10% | -2.74% | -3.14% | -1.47% | -6.62% | -4.61% | -5.03% | -189 bps | |
| Return on Equity | 12.98% | -42.82% | -37.36% | -57.40% | -24.22% | -131.66% | -87.88% | -110.59% | -5,319 bps | |
| Net Interest Margin | 4.88% | 4.53% | 4.78% | 3.97% | 3.82% | 3.72% | 4.17% | 4.55% | +58 bps | |
| Efficiency Ratio | 88.04% | 135.20% | 107.73% | 120.66% | 99.59% | 153.98% | 153.49% | 158.35% | +3,769 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.26% | -12.55% | -14.32% | -5.13% | 0.13% | -1.31% | -5.37% | -15.82% | -1,069 bps | |
| Loan Growth (YoY) | 0.80% | -5.07% | -8.59% | -15.19% | -9.73% | -6.47% | -10.23% | -10.68% | +451 bps | |
| Share Growth (YoY) | -9.71% | -9.59% | -15.61% | -3.67% | 2.28% | -0.20% | -4.43% | -16.11% | -1,244 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.17% | 2.83% | 2.58% | 2.01% | 2.40% | 3.02% | 2.19% | 3.35% | +134 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.67% | 0.37% | 1.54% | 1.86% | 2.37% | 2.71% | 1.92% | 2.05% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.24% | 7.25% | 7.33% | 5.47% | 6.08% | 5.03% | 5.24% | 4.55% | -92 bps | |
| Net Worth / Assets | 8.24% | 7.25% | 7.33% | 5.47% | 6.08% | 5.03% | 5.24% | 4.55% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.32% | 51.42% | 54.06% | 52.50% | 50.59% | 48.19% | 50.78% | 55.90% | +340 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |