Vancouver, WA · Charter 6995
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Vancouver, WA · Charter 6995
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.18% | 4.71% | 0.66% | -4.64% | 0.63% | -455 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 4.18% | 4.21% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 78.42% | 86.06% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 47.54% | 29.61% | 9.50% | -20.37% | -33.79% | -8,132 bps | |
| Loan Growth (YoY) | 39.97% | 20.91% | 0.57% | -20.03% | -31.18% | -7,115 bps | |
| Share Growth (YoY) | 50.71% | 32.90% | 14.09% | -16.89% | -31.99% | -8,270 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.28% | 1.66% | 1.83% | 2.12% | 1.36% | -92 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.16% | 0.82% | 1.83% | 4.06% | 2.39% | +223 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.92% | 83.91% | 77.64% | 84.50% | 84.91% | +100 bps | |
| Liquid Assets / Assets | 10.10% | 6.58% | 12.63% | 9.48% | 7.50% | -260 bps | |