Federal Way, WA · Charter 7975
Q4 2009
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.16% | -5.39% | -5.83% | -3.34% | -2.39% | +177 bps | |
| Return on Equity | -71.04% | -134.32% | -307% | -148.62% | -109.79% | -3,875 bps | |
| Net Interest Margin | 5.26% | 5.74% | 5.60% | 5.98% | 5.89% | +63 bps | |
| Efficiency Ratio | 134.52% | 124.31% | 153.21% | 106.64% | 107.43% | -2,709 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.14% | -3.31% | 10.32% | 22.92% | 19.87% | +3,101 bps | |
| Loan Growth (YoY) | -1.15% | 24.33% | 59.07% | 41.52% | 36.53% | +3,768 bps | |
| Share Growth (YoY) | -5.93% | 0.41% | 6.16% | 17.75% | 9.59% | +1,552 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.79% | 0.89% | 0.18% | 0.65% | 0.91% | -388 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.91% | 1.79% | 1.88% | 1.83% | 1.70% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.85% | 4.01% | 1.90% | 2.24% | 2.18% | -367 bps | |
| Net Worth / Assets | 5.85% | 4.01% | 1.90% | 2.24% | 2.18% | -367 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.76% | 93.34% | 105.53% | 106.42% | 100.62% | +1,985 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |