Tacoma, WA · Charter 7104
NCUA · 1 branch
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.88% | 0.18% | 0.67% | 0.13% | -0.91% | -1.06% | -1.83% | -250 bps | |
| Return on Equity | 0.82% | 5.65% | 1.18% | 4.09% | 0.82% | -5.74% | -6.93% | -12.98% | -1,707 bps | |
| Net Interest Margin | 3.14% | 2.85% | 2.73% | 3.01% | 2.94% | 2.64% | 2.33% | 1.95% | -106 bps | |
| Efficiency Ratio | 88.23% | 79.01% | 96.27% | 84.31% | 99.44% | 121.96% | 132.22% | 171.26% | +8,695 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.09% | -1.89% | -1.57% | -8.94% | -11.29% | -4.16% | -3.94% | 4.01% | +1,295 bps | |
| Loan Growth (YoY) | -11.46% | -8.64% | -9.71% | -18.37% | -24.29% | -27.07% | -26.16% | -13.72% | +465 bps | |
| Share Growth (YoY) | 10.53% | -2.83% | -1.79% | -10.90% | -13.68% | -4.99% | -4.04% | 10.43% | +2,134 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.01% | 0.01% | 0.27% | 0.93% | 0.10% | 1.00% | 1.82% | +154 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 | 1.17% | 1.00% | 1.02% | 0.87% | 0.85% | 0.82% | 1.08% | 1.06% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.39% | 15.51% | 15.14% | 16.44% | 16.36% | 15.86% | 15.27% | 14.08% | -236 bps | |
| Net Worth / Assets | 14.39% | 15.51% | 15.14% | 16.44% | 16.36% | 15.86% | 15.27% | 14.08% | -236 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.77% | 44.26% | 41.38% | 40.48% | 37.52% | 33.97% | 31.84% | 31.63% | -885 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |