PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

W T N

Steilacoom, WA · Charter 7811

Q2 2000

$1.3MAssets
$718KLoans
$1.1MShares
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 -0.68%, down 531 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 3.52% of loans (+176 bps YoY).
  • Funding: loans stand at 63.58% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

-0.68%-531 bps YoY

Net Interest Margin (quarter, annualized)

3.57%

Efficiency Ratio (quarter, annualized)

120.23%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.63%4.13%4.26%0.35%-0.68%-531 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a3.32%3.57%n/a
Efficiency Ration/an/an/a74.09%120.23%n/a
Growth
Asset Growth (YoY)10.30%13.57%17.37%9.96%0.09%-1,021 bps
Loan Growth (YoY)9.18%11.07%-11.58%-20.44%-6.91%-1,609 bps
Share Growth (YoY)9.02%13.23%17.32%10.21%-0.57%-959 bps
Asset Quality
Delinquent Loans / Loans1.76%1.87%0.00%0.56%3.52%+176 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.70%2.24%2.34%2.57%2.05%+35 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 / Shares67.91%53.93%48.69%49.32%63.58%-433 bps
Liquid Assets / Assets35.45%48.47%55.76%54.24%41.34%+589 bps