PackageTrendsPeer
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First Technology

Beaverton, OR · Charter 7592

Q1 1997

$409.8MAssets
$277.4MLoans
$340.9MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.68%, up 19 bps year over year.
  • Asset quality: problem loans at 0.44% of loans (+13 bps YoY).
  • Funding: loans stand at 81.39% of shares as of Q1 1997.

Financial Results

Return on Assets (quarter, annualized)

4.68%+19 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets4.49%4.55%n/a4.41%4.68%+19 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)23.43%18.48%17.13%22.22%19.82%-362 bps
Loan Growth (YoY)33.89%40.44%37.09%31.17%26.56%-732 bps
Share Growth (YoY)17.60%13.46%15.31%14.81%16.00%-160 bps
Asset Quality
Delinquent Loans / Loans0.30%0.23%0.29%0.46%0.44%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.57%0.54%0.56%0.56%0.55%-2 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares74.60%79.49%80.41%83.80%81.39%+680 bps
Liquid Assets / Assets33.76%28.26%26.31%28.40%27.06%-670 bps