Ephrata, WA · Charter 7047
Q4 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.92% | 1.03% | 1.06% | 0.95% | +66 bps | |
| Return on Equity | 2.50% | 7.83% | 8.34% | 8.64% | 7.66% | +516 bps | |
| Net Interest Margin | 3.71% | 4.04% | 4.15% | 3.98% | 3.93% | +22 bps | |
| Efficiency Ratio | 82.81% | 81.27% | 79.78% | 79.01% | 81.27% | -154 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.14% | -2.27% | -5.08% | 0.28% | 0.27% | +13 bps | |
| Loan Growth (YoY) | 5.00% | 5.70% | 8.59% | 8.77% | 1.97% | -302 bps | |
| Share Growth (YoY) | -0.52% | -3.66% | -5.76% | -1.19% | -0.76% | -24 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.44% | 0.45% | 0.42% | 0.79% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 0.85% | 0.77% | 0.68% | 0.52% | -37 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.47% | 11.77% | 12.37% | 12.28% | 12.39% | +92 bps | |
| Net Worth / Assets | 11.47% | 11.77% | 12.37% | 12.28% | 12.39% | +92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.42% | 76.79% | 84.03% | 81.27% | 78.52% | +210 bps | |
| Liquid Assets / Assets | 21.50% | 19.33% | 12.11% | 16.96% | 27.58% | +608 bps | |