Olympia, WA · Charter 68528
NCUA · 1 branch
Q3 2016
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.14% | -1.47% | -6.62% | -4.61% | -5.03% | -189 bps | |
| Return on Equity | -57.40% | -24.22% | -131.66% | -87.88% | -110.59% | -5,319 bps | |
| Net Interest Margin | 3.97% | 3.82% | 3.72% | 4.17% | 4.55% | +58 bps | |
| Efficiency Ratio | 120.66% | 99.59% | 153.98% | 153.49% | 158.35% | +3,769 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.13% | 0.13% | -1.31% | -5.37% | -15.82% | -1,069 bps | |
| Loan Growth (YoY) | -15.19% | -9.73% | -6.47% | -10.23% | -10.68% | +451 bps | |
| Share Growth (YoY) | -3.67% | 2.28% | -0.20% | -4.43% | -16.11% | -1,244 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.86% | 2.37% | 2.71% | 1.92% | 2.05% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.47% | 6.08% | 5.03% | 5.24% | 4.55% | -92 bps | |
| Net Worth / Assets | 5.47% | 6.08% | 5.03% | 5.24% | 4.55% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |